1125 Emerald DrNapervilleIL60540
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 1125 Emerald Dr, Naperville, IL, 60540 in Naperville hard to pass up. The 14.08% gross yield on a $425,000 purchase results in $4,988/mo in rent and $2,041/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.61). Annual cash flow of $24,486, five-year appreciation of $117,420, and $3,914/yr in equity build-up combine for a projected total cumulative return of $293,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 5.1% |
| Monthly Cash Flow | $2,041 | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,988 |
| Total Monthly Debt Service | $2,779 |
| DSCR Ratio | 1.80x |
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 1960
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
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 1960
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices