102 Cottage AveLa MoilleIL61330
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow102 Cottage Ave, La Moille, IL, 61330 in La Moille earns its strong cash-flow label: 15.99% yield, $1,666/mo rent, $799/mo net income, DSCR 2.96. The $125,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $34,535 by year five. Combined with $1,151/yr in principal paydown, total projected return reaches $99,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 7.0% |
| Monthly Cash Flow | $799 | $500 |
City averages based on La Moille market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,666 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 2.04x |
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 1964
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61330, La Moille, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 625 (100%) |
| Owner Occupied HU | 466 (74.6%) |
| Renter Occupied HU | 118 (18.9%) |
| Vacant Housing Units | 41 ( 6.6%) |
| Median Home Value | $169,565 |
| Average Home Value | $309,297 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
380
Multi-Family
0
Businesses
23
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 1964
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61330, La Moille, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 625 (100%) |
| Owner Occupied HU | 466 (74.6%) |
| Renter Occupied HU | 118 (18.9%) |
| Vacant Housing Units | 41 ( 6.6%) |
| Median Home Value | $169,565 |
| Average Home Value | $309,297 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
380
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices