102 2nd StCamp GroveIL61424
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 102 2nd St, Camp Grove, IL, 61424 in Camp Grove at $190,000 earns $1,479/mo in rent and nets $161/mo after the $854/mo payment, a 9.34% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,494 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,750/yr in principal paydown, total projected return reaches $83,103.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $161 | $250 |
City averages based on Camp Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,479 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 1.19x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1908
1.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61424, Camp Grove, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1908
1.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61424, Camp Grove, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sara Skolaski • eXp Realty
Mls Name: RMLS Alliance
Mls ID: #PA1260725