105 N Creamery StEurekaIL61530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 105 N Creamery St, Eureka, IL, 61530 in Eureka. At $145,000 it earns $1,379/mo in rent and distributes $443/mo to the owner after the $652/mo payment, a consistent 12.27% yield. DSCR 2.12 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $40,061 in value; $1,335/yr in principal paydown compounds ownership stake. Total projected return: $79,462.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 8.0% |
| Monthly Cash Flow | $443 | $1,500 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,379 |
| Total Monthly Debt Service | $948 |
| DSCR Ratio | 1.45x |
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 1900
7,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61530, Eureka, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,631 (100%) |
| Owner Occupied HU | 1,847 (70.2%) |
| Renter Occupied HU | 618 (23.5%) |
| Vacant Housing Units | 166 ( 6.3%) |
| Median Home Value | $182,292 |
| Average Home Value | $212,197 |
Housing Distribution
Address Breakdown
Residential
2,547
Single Family
2,413
Multi-Family
134
Businesses
233
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 1900
7,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61530, Eureka, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,631 (100%) |
| Owner Occupied HU | 1,847 (70.2%) |
| Renter Occupied HU | 618 (23.5%) |
| Vacant Housing Units | 166 ( 6.3%) |
| Median Home Value | $182,292 |
| Average Home Value | $212,197 |
Housing Distribution
Address Breakdown
Residential
2,547
Single Family
2,413
Multi-Family
134
Businesses
233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ken A Baxter • RE/MAX WRC Downtown
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #PA1257572
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.