1125 22nd AveSilvisIL61282
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1125 22nd Ave, Silvis, IL, 61282 in Silvis is narrow, $61/mo net on $2,038/mo rent after the $1,282/mo debt service, but the property operates at break-even-plus, not a loss. At $285,000 with a 8.58% yield, the long-run equity case via 5% appreciation ($78,740 over five years) and $2,625/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $112,955.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 8.0% |
| Monthly Cash Flow | $61 | $300 |
City averages based on Silvis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,038 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.09x |
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 1961
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61282, Silvis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,014 (100%) |
| Owner Occupied HU | 2,032 (50.6%) |
| Renter Occupied HU | 1,576 (39.3%) |
| Vacant Housing Units | 406 (10.1%) |
| Median Home Value | $166,000 |
| Average Home Value | $187,550 |
Housing Distribution
Address Breakdown
Residential
3,865
Single Family
3,126
Multi-Family
739
Businesses
208
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 1961
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61282, Silvis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,014 (100%) |
| Owner Occupied HU | 2,032 (50.6%) |
| Renter Occupied HU | 1,576 (39.3%) |
| Vacant Housing Units | 406 (10.1%) |
| Median Home Value | $166,000 |
| Average Home Value | $187,550 |
Housing Distribution
Address Breakdown
Residential
3,865
Single Family
3,126
Multi-Family
739
Businesses
208
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices