10315 E County Road 14 HwyLewistownIL61542
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10315 E County Road 14 Hwy, Lewistown, IL, 61542 in Lewistown is narrow, $72/mo net on $1,799/mo rent after the $1,120/mo debt service, but the property operates at break-even-plus, not a loss. At $249,000 with a 8.67% yield, the long-run equity case via 5% appreciation ($68,794 over five years) and $2,293/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $99,849.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 8.5% |
| Monthly Cash Flow | $72 | $350 |
City averages based on Lewistown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,799 |
| Total Monthly Debt Service | $1,628 |
| DSCR Ratio | 1.11x |
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 1989
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61542, Lewistown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,749 (100%) |
| Owner Occupied HU | 1,086 (62.1%) |
| Renter Occupied HU | 386 (22.1%) |
| Vacant Housing Units | 277 (15.8%) |
| Median Home Value | $128,538 |
| Average Home Value | $202,569 |
Housing Distribution
Address Breakdown
Residential
1,578
Single Family
1,458
Multi-Family
120
Businesses
116
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 1989
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61542, Lewistown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,749 (100%) |
| Owner Occupied HU | 1,086 (62.1%) |
| Renter Occupied HU | 386 (22.1%) |
| Vacant Housing Units | 277 (15.8%) |
| Median Home Value | $128,538 |
| Average Home Value | $202,569 |
Housing Distribution
Address Breakdown
Residential
1,578
Single Family
1,458
Multi-Family
120
Businesses
116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices