109 E Lena StLenaIL61048
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 109 E Lena St, Lena, IL, 61048 in Lena. Priced at $125,000, it generates $1,547/mo in gross rent and $677/mo in net monthly cash flow, a 14.85% yield that comfortably supports the 2.75 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,122. Five-year appreciation: $34,535. Equity from principal paydown: $1,151/yr. Total projected cumulative return: $91,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.9% | 6.0% |
| Monthly Cash Flow | $677 | $250 |
City averages based on Lena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,547 |
| Total Monthly Debt Service | $820 |
| DSCR Ratio | 1.89x |
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 1880
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61048, Lena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,875 (100%) |
| Owner Occupied HU | 1,447 (77.2%) |
| Renter Occupied HU | 284 (15.1%) |
| Vacant Housing Units | 144 ( 7.7%) |
| Median Home Value | $181,929 |
| Average Home Value | $218,842 |
Housing Distribution
Address Breakdown
Residential
1,635
Single Family
1,526
Multi-Family
109
Businesses
138
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 1880
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61048, Lena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,875 (100%) |
| Owner Occupied HU | 1,447 (77.2%) |
| Renter Occupied HU | 284 (15.1%) |
| Vacant Housing Units | 144 ( 7.7%) |
| Median Home Value | $181,929 |
| Average Home Value | $218,842 |
Housing Distribution
Address Breakdown
Residential
1,635
Single Family
1,526
Multi-Family
109
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JOSH LONGAMORE • Choice Realty Of Freeport Llc
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202405212
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.