1205 Clark StLowpointIL61545
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1205 Clark St, Lowpoint, IL, 61545 in Lowpoint: $2,651/mo in rent, $1,703/mo net, 25.45% gross yield, all on a $125,000 acquisition. The 4.72 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $34,535 in value, and $1,151/yr in principal paydown steadily builds equity. Projected total cumulative return: $162,619.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 25.5% | 7.0% |
| Monthly Cash Flow | $1,703 | $150 |
City averages based on Lowpoint market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,651 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 3.24x |
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 1940
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61545, Lowpoint, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 241 (76.0%) |
| Renter Occupied HU | 45 (14.2%) |
| Vacant Housing Units | 31 ( 9.8%) |
| Median Home Value | $249,306 |
| Average Home Value | $294,523 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
6
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 1940
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61545, Lowpoint, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 241 (76.0%) |
| Renter Occupied HU | 45 (14.2%) |
| Vacant Housing Units | 31 ( 9.8%) |
| Median Home Value | $249,306 |
| Average Home Value | $294,523 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices