112 E Center StSeymourIL61875
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 112 E Center St, Seymour, IL, 61875 in Seymour is listed at $189,000 and delivers $1,547/mo in rent and $236/mo in net monthly cash flow. The 9.82% yield and 1.82 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $52,217 over five years, and $1,741/yr in principal reduction supplements cash return. Total projected cumulative return: $87,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.0% |
| Monthly Cash Flow | $236 | $1,200 |
City averages based on Seymour market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,547 |
| Total Monthly Debt Service | $1,236 |
| DSCR Ratio | 1.25x |
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 1900
7,420 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61875, Seymour, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 303 (100%) |
| Owner Occupied HU | 218 (71.9%) |
| Renter Occupied HU | 59 (19.5%) |
| Vacant Housing Units | 26 ( 8.6%) |
| Median Home Value | $306,522 |
| Average Home Value | $322,431 |
Housing Distribution
Address Breakdown
Residential
194
Single Family
194
Multi-Family
0
Businesses
16
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 1900
7,420 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61875, Seymour, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 303 (100%) |
| Owner Occupied HU | 218 (71.9%) |
| Renter Occupied HU | 59 (19.5%) |
| Vacant Housing Units | 26 ( 8.6%) |
| Median Home Value | $306,522 |
| Average Home Value | $322,431 |
Housing Distribution
Address Breakdown
Residential
194
Single Family
194
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices