11175 N 965th StEffinghamIL62401








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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


Investment Highlights
Investment property for sale in Effingham at 11175 N 965th St, Effingham, IL, 62401 listed at $235,000 pairs $1,667/mo rent with a $1,150/mo payment to leave $37/mo cash flow. Total monthly income runs $1,667/mo, and annual cash flow reaches $446/yr on $77,903 cash to close. Return on cash invested measures 20.48% in year one, and rental yield registers 8.51% at a $235,000 basis. Equity gained on principal adds $1,516/yr, and annual property appreciation at 5% supports $64,926 by year five. Five-year ROI tracks 106.94% and total cumulative return in cash totals $83,308. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $1,667/mo property income relative to a $1,150/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).
Single Family
Built in 2001
4.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62401, Effingham, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,202 (100%) |
| Owner Occupied HU | 6,146 (66.8%) |
| Renter Occupied HU | 2,299 (25.0%) |
| Vacant Housing Units | 757 ( 8.2%) |
| Median Home Value | $210,470 |
| Average Home Value | $274,778 |
Housing Distribution
Address Breakdown
Residential
8,722
Single Family
8,101
Multi-Family
621
Businesses
1,297
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