1116 A StNormalIL61761
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1116 A St, Normal, IL, 61761 in Normal at $110,750 earns $844/mo in rent and nets $76/mo after the $498/mo payment, a 9.14% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,598 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,020/yr in principal paydown, total projected return reaches $47,251.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $76 | $300 |
City averages based on Normal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $844 |
| Total Monthly Debt Service | $724 |
| DSCR Ratio | 1.17x |
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.
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61761, Normal, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,515 (100%) |
| Owner Occupied HU | 11,570 (51.4%) |
| Renter Occupied HU | 9,063 (40.3%) |
| Vacant Housing Units | 1,882 ( 8.4%) |
| Median Home Value | $219,589 |
| Average Home Value | $253,433 |
Housing Distribution
Address Breakdown
Residential
20,029
Single Family
15,967
Multi-Family
4,062
Businesses
1,059
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
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61761, Normal, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,515 (100%) |
| Owner Occupied HU | 11,570 (51.4%) |
| Renter Occupied HU | 9,063 (40.3%) |
| Vacant Housing Units | 1,882 ( 8.4%) |
| Median Home Value | $219,589 |
| Average Home Value | $253,433 |
Housing Distribution
Address Breakdown
Residential
20,029
Single Family
15,967
Multi-Family
4,062
Businesses
1,059
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices