107 N Kinzie StThorntonIL60476
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 107 N Kinzie St, Thornton, IL, 60476 in Thornton speaks for itself: 24.26% gross on a $199,900 price, generating $4,042/mo in rent and $2,329/mo in net income after the $899/mo debt service. DSCR 4.50, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $27,945 stacks alongside $55,229 in projected five-year appreciation and $1,841/yr in principal reduction. Projected total cumulative return: $247,310.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24.3% | 6.5% |
| Monthly Cash Flow | $2,329 | $1,500 |
City averages based on Thornton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,042 |
| Total Monthly Debt Service | $1,307 |
| DSCR Ratio | 3.09x |
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 1993
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60476, Thornton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,049 (100%) |
| Owner Occupied HU | 779 (74.3%) |
| Renter Occupied HU | 208 (19.8%) |
| Vacant Housing Units | 62 ( 5.9%) |
| Median Home Value | $152,981 |
| Average Home Value | $347,317 |
Housing Distribution
Address Breakdown
Residential
964
Single Family
904
Multi-Family
60
Businesses
127
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 1993
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60476, Thornton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,049 (100%) |
| Owner Occupied HU | 779 (74.3%) |
| Renter Occupied HU | 208 (19.8%) |
| Vacant Housing Units | 62 ( 5.9%) |
| Median Home Value | $152,981 |
| Average Home Value | $347,317 |
Housing Distribution
Address Breakdown
Residential
964
Single Family
904
Multi-Family
60
Businesses
127
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices