104 Taylor LnThomsonIL61285
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 104 Taylor Ln, Thomson, IL, 61285 in Thomson delivers $1,246/mo in gross rent and $212/mo in net monthly income at a $149,000 entry. The 10.03% yield and 1.86 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $41,166 over five years and $1,372/yr in equity from loan paydown, total projected return is $70,672.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.0% |
| Monthly Cash Flow | $212 | $1,200 |
City averages based on Thomson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,246 |
| Total Monthly Debt Service | $974 |
| DSCR Ratio | 1.28x |
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.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61285, Thomson, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 627 (67.9%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 163 (17.6%) |
| Median Home Value | $171,324 |
| Average Home Value | $201,228 |
Housing Distribution
Address Breakdown
Residential
781
Single Family
773
Multi-Family
8
Businesses
42
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
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61285, Thomson, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 627 (67.9%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 163 (17.6%) |
| Median Home Value | $171,324 |
| Average Home Value | $201,228 |
Housing Distribution
Address Breakdown
Residential
781
Single Family
773
Multi-Family
8
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices