109 Philip RdChristopherIL62822
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow109 Philip Rd, Christopher, IL, 62822 in Christopher is a solid income-producing rental, 10.19% gross yield, $1,524/mo rent, $279/mo net cash flow on a $179,500 buy. DSCR 1.89 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $49,593 and $1,653/yr in principal reduction project a total cumulative return of $86,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $279 | $350 |
City averages based on Christopher market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,524 |
| Total Monthly Debt Service | $1,174 |
| DSCR Ratio | 1.30x |
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 1980
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62822, Christopher, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,438 (100%) |
| Owner Occupied HU | 889 (61.8%) |
| Renter Occupied HU | 346 (24.1%) |
| Vacant Housing Units | 203 (14.1%) |
| Median Home Value | $92,347 |
| Average Home Value | $125,155 |
Housing Distribution
Address Breakdown
Residential
1,271
Single Family
1,271
Multi-Family
0
Businesses
79
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 1980
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62822, Christopher, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,438 (100%) |
| Owner Occupied HU | 889 (61.8%) |
| Renter Occupied HU | 346 (24.1%) |
| Vacant Housing Units | 203 (14.1%) |
| Median Home Value | $92,347 |
| Average Home Value | $125,155 |
Housing Distribution
Address Breakdown
Residential
1,271
Single Family
1,271
Multi-Family
0
Businesses
79
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristen Anastasi • House 2 Home Realty Marion
Mls Name: RMLS Alliance
Mls ID: #QC4267097