12 S Division StDu QuoinIL62832
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12 S Division St, Du Quoin, IL, 62832 in Du Quoin speaks for itself: 29.05% gross on a $132,000 price, generating $3,196/mo in rent and $2,280/mo in net income after the $594/mo debt service. DSCR 5.38, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $27,360 stacks alongside $36,469 in projected five-year appreciation and $1,216/yr in principal reduction. Projected total cumulative return: $197,221.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 29.1% | 6.0% |
| Monthly Cash Flow | $2,280 | $250 |
City averages based on Du Quoin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,196 |
| Total Monthly Debt Service | $863 |
| DSCR Ratio | 3.70x |
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.
Multi Family
Built in 1897
1,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62832, Du Quoin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,382 (100%) |
| Owner Occupied HU | 2,787 (63.6%) |
| Renter Occupied HU | 938 (21.4%) |
| Vacant Housing Units | 657 (15.0%) |
| Median Home Value | $115,961 |
| Average Home Value | $151,662 |
Housing Distribution
Address Breakdown
Residential
3,886
Single Family
3,799
Multi-Family
87
Businesses
326
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
Multi Family
Built in 1897
1,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62832, Du Quoin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,382 (100%) |
| Owner Occupied HU | 2,787 (63.6%) |
| Renter Occupied HU | 938 (21.4%) |
| Vacant Housing Units | 657 (15.0%) |
| Median Home Value | $115,961 |
| Average Home Value | $151,662 |
Housing Distribution
Address Breakdown
Residential
3,886
Single Family
3,799
Multi-Family
87
Businesses
326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices