114 S Oak StMaroaIL61756
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 114 S Oak St, Maroa, IL, 61756 in Maroa is narrow, $139/mo net on $1,041/mo rent after the $585/mo debt service, but the property operates at break-even-plus, not a loss. At $130,000 with a 9.61% yield, the long-run equity case via 5% appreciation ($35,917 over five years) and $1,197/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.78 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $58,673.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.5% |
| Monthly Cash Flow | $139 | $350 |
City averages based on Maroa 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 | $1,041 |
| Total Monthly Debt Service | $850 |
| DSCR Ratio | 1.22x |
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61756, Maroa, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 690 (72.5%) |
| Renter Occupied HU | 160 (16.8%) |
| Vacant Housing Units | 102 (10.7%) |
| Median Home Value | $176,705 |
| Average Home Value | $199,841 |
Housing Distribution
Address Breakdown
Residential
712
Single Family
711
Multi-Family
1
Businesses
54
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61756, Maroa, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 690 (72.5%) |
| Renter Occupied HU | 160 (16.8%) |
| Vacant Housing Units | 102 (10.7%) |
| Median Home Value | $176,705 |
| Average Home Value | $199,841 |
Housing Distribution
Address Breakdown
Residential
712
Single Family
711
Multi-Family
1
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices