102 Townhouse DrCambriaIL62915
INVESTMENT ANALYSIS
Investment Verdict
Solid Income102 Townhouse Dr, Cambria, IL, 62915 in Cambria is a solid income-producing rental, 9.35% gross yield, $2,258/mo rent, $248/mo net cash flow on a $289,900 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $80,094 and $2,670/yr in principal reduction project a total cumulative return of $126,792.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $248 | $200 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,258 |
| Total Monthly Debt Service | $1,895 |
| 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 2025
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62915, Cambria, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 148 (100%) |
| Owner Occupied HU | 105 (70.9%) |
| Renter Occupied HU | 29 (19.6%) |
| Vacant Housing Units | 14 ( 9.5%) |
| Median Home Value | $135,833 |
| Average Home Value | $148,333 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
17
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 2025
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62915, Cambria, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 148 (100%) |
| Owner Occupied HU | 105 (70.9%) |
| Renter Occupied HU | 29 (19.6%) |
| Vacant Housing Units | 14 ( 9.5%) |
| Median Home Value | $135,833 |
| Average Home Value | $148,333 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices