11085 Us Highway 45 NTunnel HillIL62972
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 11085 Us Highway 45 N, Tunnel Hill, IL, 62972 in Tunnel Hill offers a clean, manageable entry. Rental yield 7.9%. DSCR 1.46 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $82,857 in additional property value over five years, with $2,762/yr in principal equity building ownership stake. Total projected cumulative return: $107,851.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(106) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,974 |
| Total Monthly Debt Service | $1,961 |
| DSCR Ratio | 1.01x |
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 1962
4.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62972, Ozark, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 657 (100%) |
| Owner Occupied HU | 466 (70.9%) |
| Renter Occupied HU | 39 ( 5.9%) |
| Vacant Housing Units | 152 (23.1%) |
| Median Home Value | $196,939 |
| Average Home Value | $225,649 |
Housing Distribution
Address Breakdown
Residential
557
Single Family
557
Multi-Family
0
Businesses
4
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 1962
4.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62972, Ozark, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 657 (100%) |
| Owner Occupied HU | 466 (70.9%) |
| Renter Occupied HU | 39 ( 5.9%) |
| Vacant Housing Units | 152 (23.1%) |
| Median Home Value | $196,939 |
| Average Home Value | $225,649 |
Housing Distribution
Address Breakdown
Residential
557
Single Family
557
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12632826