1107 Peach Tree LnQuincyIL62305
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 1107 Peach Tree Ln, Quincy, IL, 62305 in Quincy is a conservative rental investment at $499,500. Rental yield 7.76%. A 1.44 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $138,003; $4,600/yr in principal paydown supplements. Total projected return: $176,095.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $(233) | $300 |
City averages based on Quincy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,232 |
| Total Monthly Debt Service | $3,266 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2000
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62305, Quincy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,511 (100%) |
| Owner Occupied HU | 6,567 (77.2%) |
| Renter Occupied HU | 1,393 (16.4%) |
| Vacant Housing Units | 551 ( 6.5%) |
| Median Home Value | $233,541 |
| Average Home Value | $257,294 |
Housing Distribution
Address Breakdown
Residential
8,078
Single Family
7,857
Multi-Family
221
Businesses
647
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 2000
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62305, Quincy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,511 (100%) |
| Owner Occupied HU | 6,567 (77.2%) |
| Renter Occupied HU | 1,393 (16.4%) |
| Vacant Housing Units | 551 ( 6.5%) |
| Median Home Value | $233,541 |
| Average Home Value | $257,294 |
Housing Distribution
Address Breakdown
Residential
8,078
Single Family
7,857
Multi-Family
221
Businesses
647
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices