108 W Vine StChampaignIL61820
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Champaign rental at 108 W Vine St, Champaign, IL, 61820 sits in the solid-income band: 12.19% gross yield, $1,422/mo rent, $451/mo net after the $630/mo debt service, DSCR 2.26. Entry price of $140,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $38,679 and $1,289/yr in principal reduction bring total cumulative return to $82,584.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.8% |
| Monthly Cash Flow | $451 | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,422 |
| Total Monthly Debt Service | $915 |
| DSCR Ratio | 1.55x |
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.
Multi Family
Built in 1894
8,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
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
Multi Family
Built in 1894
8,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices