11816 N 84th HwyPt ByronIL61275
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 11816 N 84th Hwy, Pt Byron, IL, 61275 in Pt Byron is capital appreciation. Rental yield 4.31%. The 4.31% gross yield at $399,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,236 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.80) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $66,821.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 10.0% |
| Monthly Cash Flow | $(1,334) | $250 |
City averages based on Pt Byron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,434 |
| Total Monthly Debt Service | $2,609 |
| DSCR Ratio | 0.55x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1978
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
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 1978
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bob Case • Ruhl&Ruhl REALTORS Bettendorf
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #QC4262637
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.