107 E Harrison StEdinburgIL62531
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 107 E Harrison St, Edinburg, IL, 62531 in Edinburg at $189,900 earns $1,362/mo in rent and nets $45/mo after the $854/mo payment, a 8.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,466 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $1,749/yr in principal paydown, total projected return reaches $75,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $45 | $1,200 |
City averages based on Edinburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,362 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 1.10x |
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 1970
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62531, Edinburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 861 (100%) |
| Owner Occupied HU | 622 (72.2%) |
| Renter Occupied HU | 149 (17.3%) |
| Vacant Housing Units | 90 (10.5%) |
| Median Home Value | $135,959 |
| Average Home Value | $170,494 |
Housing Distribution
Address Breakdown
Residential
657
Single Family
657
Multi-Family
0
Businesses
32
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 1970
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62531, Edinburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 861 (100%) |
| Owner Occupied HU | 622 (72.2%) |
| Renter Occupied HU | 149 (17.3%) |
| Vacant Housing Units | 90 (10.5%) |
| Median Home Value | $135,959 |
| Average Home Value | $170,494 |
Housing Distribution
Address Breakdown
Residential
657
Single Family
657
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices