121 S 4th StSaint CharlesIL60174
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 121 S 4th St, Saint Charles, IL, 60174 in Saint Charles: $4,800/mo in rent, $2,806/mo net, 20.03% gross yield, all on a $287,500 acquisition. The 3.71 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 $79,431 in value, and $2,648/yr in principal paydown steadily builds equity. Projected total cumulative return: $290,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20% | 6.0% |
| Monthly Cash Flow | $2,806 | $300 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $1,880 |
| DSCR Ratio | 2.55x |
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 1880
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
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 1880
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices