109 E Bates StRoodhouseIL62082
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow109 E Bates St, Roodhouse, IL, 62082 in Roodhouse is a top-tier cash-flow asset. At $112,779 it produces $1,790/mo in rent and $979/mo in net monthly income, a 19.05% gross rental yield. The DSCR of 3.53 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,751. Five-year appreciation adds $31,159, driving a total cumulative return of $106,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 6.0% |
| Monthly Cash Flow | $979 | $300 |
City averages based on Roodhouse market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,790 |
| Total Monthly Debt Service | $766 |
| DSCR Ratio | 2.34x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62082, Roodhouse, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,154 (100%) |
| Owner Occupied HU | 741 (64.2%) |
| Renter Occupied HU | 193 (16.7%) |
| Vacant Housing Units | 220 (19.1%) |
| Median Home Value | $75,708 |
| Average Home Value | $122,328 |
Housing Distribution
Address Breakdown
Residential
1,129
Single Family
1,129
Multi-Family
0
Businesses
51
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62082, Roodhouse, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,154 (100%) |
| Owner Occupied HU | 741 (64.2%) |
| Renter Occupied HU | 193 (16.7%) |
| Vacant Housing Units | 220 (19.1%) |
| Median Home Value | $75,708 |
| Average Home Value | $122,328 |
Housing Distribution
Address Breakdown
Residential
1,129
Single Family
1,129
Multi-Family
0
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices