106 Henry StBulpittIL62517
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 106 Henry St, Bulpitt, IL, 62517 in Bulpitt is narrow, $116/mo net on $878/mo rent after the $494/mo debt service, but the property operates at break-even-plus, not a loss. At $109,900 with a 9.59% yield, the long-run equity case via 5% appreciation ($30,363 over five years) and $1,012/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.78 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,516.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.5% |
| Monthly Cash Flow | $116 | $300 |
City averages based on Bulpitt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $878 |
| Total Monthly Debt Service | $719 |
| DSCR Ratio | 1.22x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62517, Bulpitt, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 103 (100%) |
| Owner Occupied HU | 74 (71.8%) |
| Renter Occupied HU | 12 (11.7%) |
| Vacant Housing Units | 17 (16.5%) |
| Median Home Value | $178,571 |
| Average Home Value | $216,858 |
Housing Distribution
Address Breakdown
Residential
83
Single Family
83
Multi-Family
0
Businesses
1
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62517, Bulpitt, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 103 (100%) |
| Owner Occupied HU | 74 (71.8%) |
| Renter Occupied HU | 12 (11.7%) |
| Vacant Housing Units | 17 (16.5%) |
| Median Home Value | $178,571 |
| Average Home Value | $216,858 |
Housing Distribution
Address Breakdown
Residential
83
Single Family
83
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices