10351 Dickens St APT 2EWestchesterIL60154
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 10351 Dickens St APT 2E, Westchester, IL, 60154 in Westchester. Priced at $189,900, it generates $2,500/mo in gross rent and $902/mo in net monthly cash flow, a 15.8% yield that comfortably supports the 2.93 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,829. Five-year appreciation: $52,466. Equity from principal paydown: $1,749/yr. Total projected cumulative return: $131,982.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.8% | 6.0% |
| Monthly Cash Flow | $902 | $200 |
City averages based on Westchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,500 |
| Total Monthly Debt Service | $1,522 |
| DSCR Ratio | 1.64x |
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.
Condo
Built in 1964
N/A lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60154, Westchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,962 (100%) |
| Owner Occupied HU | 5,832 (83.8%) |
| Renter Occupied HU | 794 (11.4%) |
| Vacant Housing Units | 336 ( 4.8%) |
| Median Home Value | $310,555 |
| Average Home Value | $319,819 |
Housing Distribution
Address Breakdown
Residential
7,052
Single Family
6,845
Multi-Family
207
Businesses
669
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
Condo
Built in 1964
N/A lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60154, Westchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,962 (100%) |
| Owner Occupied HU | 5,832 (83.8%) |
| Renter Occupied HU | 794 (11.4%) |
| Vacant Housing Units | 336 ( 4.8%) |
| Median Home Value | $310,555 |
| Average Home Value | $319,819 |
Housing Distribution
Address Breakdown
Residential
7,052
Single Family
6,845
Multi-Family
207
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices