120 N 4th StCarrolltonIL62016
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 120 N 4th St, Carrollton, IL, 62016 in Carrollton aligned with their strategy. Rental yield 7.78%. DSCR 1.44 and 7.78% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $1,151/yr in paydown build toward a projected cumulative return of $44,143.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $(57) | $250 |
City averages based on Carrollton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $810 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 0.99x |
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.
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62016, Carrollton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,532 (100%) |
| Owner Occupied HU | 1,031 (67.3%) |
| Renter Occupied HU | 337 (22.0%) |
| Vacant Housing Units | 164 (10.7%) |
| Median Home Value | $121,101 |
| Average Home Value | $165,301 |
Housing Distribution
Address Breakdown
Residential
1,636
Single Family
1,620
Multi-Family
16
Businesses
119
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
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62016, Carrollton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,532 (100%) |
| Owner Occupied HU | 1,031 (67.3%) |
| Renter Occupied HU | 337 (22.0%) |
| Vacant Housing Units | 164 (10.7%) |
| Median Home Value | $121,101 |
| Average Home Value | $165,301 |
Housing Distribution
Address Breakdown
Residential
1,636
Single Family
1,620
Multi-Family
16
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Steinacher • Premiere Realty & Auction
Mls Name: My State MLS
Mls ID: #11603546