1156 265th AveGerlawIL61435
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1156 265th Ave, Gerlaw, IL, 61435 in Gerlaw is a top-tier cash-flow asset. At $104,380 it produces $1,300/mo in rent and $511/mo in net monthly income, a 14.94% gross rental yield. The DSCR of 2.77 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $6,132. Five-year appreciation adds $28,838, driving a total cumulative return of $73,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.9% | 8.0% |
| Monthly Cash Flow | $511 | $450 |
City averages based on Gerlaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,300 |
| Total Monthly Debt Service | $747 |
| DSCR Ratio | 1.74x |
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 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61435, Gerlaw, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 60 (100%) |
| Owner Occupied HU | 52 (86.7%) |
| Renter Occupied HU | 7 (11.7%) |
| Vacant Housing Units | 1 ( 1.7%) |
| Median Home Value | $200,000 |
| Average Home Value | $203,750 |
Housing Distribution
Address Breakdown
Residential
80
Single Family
80
Multi-Family
0
Businesses
3
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 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61435, Gerlaw, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 60 (100%) |
| Owner Occupied HU | 52 (86.7%) |
| Renter Occupied HU | 7 (11.7%) |
| Vacant Housing Units | 1 ( 1.7%) |
| Median Home Value | $200,000 |
| Average Home Value | $203,750 |
Housing Distribution
Address Breakdown
Residential
80
Single Family
80
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gary Williams • Ruhl&Ruhl REALTORS Moline
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #QC4259226
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.