11220 Us Route 20Garden PrairieIL61038
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 11220 Us Route 20, Garden Prairie, IL, 61038 in Garden Prairie speaks for itself: 12.22% gross on a $189,900 price, generating $1,934/mo in rent and $617/mo in net income after the $854/mo debt service. DSCR 2.26, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,402 stacks alongside $52,466 in projected five-year appreciation and $1,749/yr in principal reduction. Projected total cumulative return: $112,350.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $617 | $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 | $1,934 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 1.56x |
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.
Multi Family
Built in 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61038, Garden Prairie, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 514 (100%) |
| Owner Occupied HU | 415 (80.7%) |
| Renter Occupied HU | 80 (15.6%) |
| Vacant Housing Units | 19 ( 3.7%) |
| Median Home Value | $293,207 |
| Average Home Value | $335,265 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
21
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
Multi Family
Built in 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61038, Garden Prairie, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 514 (100%) |
| Owner Occupied HU | 415 (80.7%) |
| Renter Occupied HU | 80 (15.6%) |
| Vacant Housing Units | 19 ( 3.7%) |
| Median Home Value | $293,207 |
| Average Home Value | $335,265 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
21
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: #12384017