106 S Main StLostantIL61334
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 106 S Main St, Lostant, IL, 61334 in Lostant offers a clean, manageable entry. Rental yield 6.78%. DSCR 1.26 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $46,940 in additional property value over five years, with $1,565/yr in principal equity building ownership stake. Total projected cumulative return: $50,967.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 8.0% |
| Monthly Cash Flow | $(218) | $300 |
City averages based on Lostant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $1,111 |
| DSCR Ratio | 0.86x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
8,184 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61334, Lostant, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 335 (100%) |
| Owner Occupied HU | 241 (71.9%) |
| Renter Occupied HU | 57 (17.0%) |
| Vacant Housing Units | 37 (11.0%) |
| Median Home Value | $155,891 |
| Average Home Value | $176,390 |
Housing Distribution
Address Breakdown
Residential
170
Single Family
170
Multi-Family
0
Businesses
20
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
8,184 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61334, Lostant, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 335 (100%) |
| Owner Occupied HU | 241 (71.9%) |
| Renter Occupied HU | 57 (17.0%) |
| Vacant Housing Units | 37 (11.0%) |
| Median Home Value | $155,891 |
| Average Home Value | $176,390 |
Housing Distribution
Address Breakdown
Residential
170
Single Family
170
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices