1207 12th StLawrencevilleIL62439
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 1207 12th St, Lawrenceville, IL, 62439 in Lawrenceville. At $159,000 it earns $1,554/mo in rent and distributes $451/mo to the owner after the $715/mo payment, a consistent 11.73% yield. DSCR 2.17 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $43,929 in value; $1,464/yr in principal paydown compounds ownership stake. Total projected return: $89,867.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $451 | $300 |
City averages based on Lawrenceville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,554 |
| Total Monthly Debt Service | $1,040 |
| DSCR Ratio | 1.49x |
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 1910
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62439, Lawrenceville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,321 (100%) |
| Owner Occupied HU | 2,049 (61.7%) |
| Renter Occupied HU | 865 (26.0%) |
| Vacant Housing Units | 407 (12.3%) |
| Median Home Value | $114,517 |
| Average Home Value | $170,669 |
Housing Distribution
Address Breakdown
Residential
3,328
Single Family
3,134
Multi-Family
194
Businesses
285
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 1910
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62439, Lawrenceville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,321 (100%) |
| Owner Occupied HU | 2,049 (61.7%) |
| Renter Occupied HU | 865 (26.0%) |
| Vacant Housing Units | 407 (12.3%) |
| Median Home Value | $114,517 |
| Average Home Value | $170,669 |
Housing Distribution
Address Breakdown
Residential
3,328
Single Family
3,134
Multi-Family
194
Businesses
285
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tytus Cousins • Intellectual Real Estate Services and Investments
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12551530