104 Susan LnPleasant HillIL62366
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 104 Susan Ln, Pleasant Hill, IL, 62366 in Pleasant Hill at $210,000 earns $1,500/mo in rent and nets $43/mo after the $944/mo payment, a 8.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $58,019 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $1,934/yr in principal paydown, total projected return reaches $83,155.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $43 | $1,500 |
City averages based on Pleasant Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $1,373 |
| DSCR Ratio | 1.09x |
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 1999
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62366, Pleasant Hill, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 633 (100%) |
| Owner Occupied HU | 419 (66.2%) |
| Renter Occupied HU | 112 (17.7%) |
| Vacant Housing Units | 102 (16.1%) |
| Median Home Value | $96,818 |
| Average Home Value | $132,351 |
Housing Distribution
Address Breakdown
Residential
326
Single Family
326
Multi-Family
0
Businesses
39
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 1999
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62366, Pleasant Hill, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 633 (100%) |
| Owner Occupied HU | 419 (66.2%) |
| Renter Occupied HU | 112 (17.7%) |
| Vacant Housing Units | 102 (16.1%) |
| Median Home Value | $96,818 |
| Average Home Value | $132,351 |
Housing Distribution
Address Breakdown
Residential
326
Single Family
326
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy J McDonald • Trophy Properties and Auction,
Mls Name: MARIS
Mls Provider:
Mls ID: #25007718
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