108 Ryan CtGalenaIL61036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 108 Ryan Ct, Galena, IL, 61036 in Galena speaks for itself: 13.73% gross on a $529,000 price, generating $6,054/mo in rent and $2,385/mo in net income after the $2,379/mo debt service. DSCR 2.54, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $28,617 stacks alongside $146,153 in projected five-year appreciation and $4,872/yr in principal reduction. Projected total cumulative return: $355,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.7% | 8.0% |
| Monthly Cash Flow | $2,385 | $400 |
City averages based on Galena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,054 |
| Total Monthly Debt Service | $3,459 |
| DSCR Ratio | 1.75x |
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 2006
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61036, Galena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,265 (100%) |
| Owner Occupied HU | 2,653 (50.4%) |
| Renter Occupied HU | 640 (12.2%) |
| Vacant Housing Units | 1,972 (37.5%) |
| Median Home Value | $272,621 |
| Average Home Value | $307,280 |
Housing Distribution
Address Breakdown
Residential
3,854
Single Family
3,700
Multi-Family
154
Businesses
458
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 2006
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61036, Galena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,265 (100%) |
| Owner Occupied HU | 2,653 (50.4%) |
| Renter Occupied HU | 640 (12.2%) |
| Vacant Housing Units | 1,972 (37.5%) |
| Median Home Value | $272,621 |
| Average Home Value | $307,280 |
Housing Distribution
Address Breakdown
Residential
3,854
Single Family
3,700
Multi-Family
154
Businesses
458
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices