11 Kennedy CtPhiloIL61864
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Philo rentals match the income profile of 11 Kennedy Ct, Philo, IL, 61864. Listed at $315,000, gross rent is $2,719/mo and net cash flow is $534/mo, a 10.36% yield well above national averages. DSCR 1.92 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $87,029 by year five with $2,901/yr in annual principal reduction, projecting $154,870 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $534 | $500 |
City averages based on Philo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,719 |
| Total Monthly Debt Service | $2,060 |
| DSCR Ratio | 1.32x |
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: 61864, Philo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 593 (86.7%) |
| Renter Occupied HU | 71 (10.4%) |
| Vacant Housing Units | 20 ( 2.9%) |
| Median Home Value | $257,012 |
| Average Home Value | $274,949 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
40
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: 61864, Philo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 593 (86.7%) |
| Renter Occupied HU | 71 (10.4%) |
| Vacant Housing Units | 20 ( 2.9%) |
| Median Home Value | $257,012 |
| Average Home Value | $274,949 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices