1129 NW 5th AveGalvaIL61434
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Galva rentals match the income profile of 1129 NW 5th Ave, Galva, IL, 61434. Listed at $224,900, gross rent is $2,084/mo and net cash flow is $524/mo, a 11.12% yield well above national averages. DSCR 2.06 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $62,136 by year five with $2,071/yr in annual principal reduction, projecting $119,751 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 7.0% |
| Monthly Cash Flow | $524 | $1,200 |
City averages based on Galva market data in our database. Property projections are estimates.
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 | $2,084 |
| Total Monthly Debt Service | $1,470 |
| DSCR Ratio | 1.42x |
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 1979
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61434, Galva, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,557 (100%) |
| Owner Occupied HU | 1,004 (64.5%) |
| Renter Occupied HU | 315 (20.2%) |
| Vacant Housing Units | 238 (15.3%) |
| Median Home Value | $115,602 |
| Average Home Value | $152,480 |
Housing Distribution
Address Breakdown
Residential
1,386
Single Family
1,314
Multi-Family
72
Businesses
108
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 1979
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61434, Galva, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,557 (100%) |
| Owner Occupied HU | 1,004 (64.5%) |
| Renter Occupied HU | 315 (20.2%) |
| Vacant Housing Units | 238 (15.3%) |
| Median Home Value | $115,602 |
| Average Home Value | $152,480 |
Housing Distribution
Address Breakdown
Residential
1,386
Single Family
1,314
Multi-Family
72
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices