106 Flower DrAlbionIL62806
INVESTMENT ANALYSIS
Investment Verdict
Solid Income106 Flower Dr, Albion, IL, 62806 in Albion is a solid income-producing rental, 9.76% gross yield, $2,927/mo rent, $430/mo net cash flow on a $360,000 buy. DSCR 1.81 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $99,461 and $3,316/yr in principal reduction project a total cumulative return of $165,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 15.0% |
| Monthly Cash Flow | $430 | $1,200 |
City averages based on Albion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,927 |
| Total Monthly Debt Service | $2,354 |
| DSCR Ratio | 1.24x |
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 2016
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62806, Albion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,484 (100%) |
| Owner Occupied HU | 1,010 (68.1%) |
| Renter Occupied HU | 299 (20.1%) |
| Vacant Housing Units | 175 (11.8%) |
| Median Home Value | $114,286 |
| Average Home Value | $158,649 |
Housing Distribution
Address Breakdown
Residential
1,412
Single Family
1,401
Multi-Family
11
Businesses
124
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 2016
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62806, Albion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,484 (100%) |
| Owner Occupied HU | 1,010 (68.1%) |
| Renter Occupied HU | 299 (20.1%) |
| Vacant Housing Units | 175 (11.8%) |
| Median Home Value | $114,286 |
| Average Home Value | $158,649 |
Housing Distribution
Address Breakdown
Residential
1,412
Single Family
1,401
Multi-Family
11
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices