102 E Trilla RdTrillaIL62469
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 102 E Trilla Rd, Trilla, IL, 62469 in Trilla is narrow, $108/mo net on $1,113/mo rent after the $652/mo debt service, but the property operates at break-even-plus, not a loss. At $144,900 with a 9.22% yield, the long-run equity case via 5% appreciation ($40,033 over five years) and $1,335/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $62,377.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.5% |
| Monthly Cash Flow | $108 | $150 |
City averages based on Trilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,113 |
| Total Monthly Debt Service | $947 |
| DSCR Ratio | 1.17x |
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 1927
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62469, Trilla, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 196 (100%) |
| Owner Occupied HU | 143 (73.0%) |
| Renter Occupied HU | 26 (13.3%) |
| Vacant Housing Units | 27 (13.8%) |
| Median Home Value | $151,974 |
| Average Home Value | $171,101 |
Housing Distribution
Address Breakdown
Residential
128
Single Family
128
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 1927
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62469, Trilla, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 196 (100%) |
| Owner Occupied HU | 143 (73.0%) |
| Renter Occupied HU | 26 (13.3%) |
| Vacant Housing Units | 27 (13.8%) |
| Median Home Value | $151,974 |
| Average Home Value | $171,101 |
Housing Distribution
Address Breakdown
Residential
128
Single Family
128
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
