110 Golf LnCentraliaIL62801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 110 Golf Ln, Centralia, IL, 62801 in Centralia at $280,000 earns $2,033/mo in rent and nets $91/mo after the $1,259/mo payment, a 8.71% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $77,359 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $2,579/yr in principal paydown, total projected return reaches $112,969.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 9.0% |
| Monthly Cash Flow | $91 | $350 |
City averages based on Centralia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,033 |
| Total Monthly Debt Service | $1,831 |
| DSCR Ratio | 1.11x |
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 1966
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62801, Centralia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,262 (100%) |
| Owner Occupied HU | 5,699 (61.5%) |
| Renter Occupied HU | 2,379 (25.7%) |
| Vacant Housing Units | 1,184 (12.8%) |
| Median Home Value | $103,671 |
| Average Home Value | $137,404 |
Housing Distribution
Address Breakdown
Residential
8,430
Single Family
7,994
Multi-Family
436
Businesses
716
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 1966
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62801, Centralia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,262 (100%) |
| Owner Occupied HU | 5,699 (61.5%) |
| Renter Occupied HU | 2,379 (25.7%) |
| Vacant Housing Units | 1,184 (12.8%) |
| Median Home Value | $103,671 |
| Average Home Value | $137,404 |
Housing Distribution
Address Breakdown
Residential
8,430
Single Family
7,994
Multi-Family
436
Businesses
716
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices