109 Miller CtValmeyerIL62295
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 109 Miller Ct, Valmeyer, IL, 62295 in Valmeyer at $285,000 earns $2,009/mo in rent and nets $32/mo after the $1,282/mo payment, a 8.46% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $78,740 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $2,625/yr in principal paydown, total projected return reaches $111,071.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $32 | $300 |
City averages based on Valmeyer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,009 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.08x |
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 1995
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62295, Valmeyer, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 460 (74.7%) |
| Renter Occupied HU | 77 (12.5%) |
| Vacant Housing Units | 79 (12.8%) |
| Median Home Value | $209,551 |
| Average Home Value | $248,255 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
26
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 1995
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62295, Valmeyer, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 460 (74.7%) |
| Renter Occupied HU | 77 (12.5%) |
| Vacant Housing Units | 79 (12.8%) |
| Median Home Value | $209,551 |
| Average Home Value | $248,255 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brooke Mitchell • Keller Williams Pinnacle
Mls Name: MARIS
Mls Provider:
Mls ID: #25028691
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