12112 Laurel LnCaledoniaIL61011
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12112 Laurel Ln, Caledonia, IL, 61011 in Caledonia. At $685,000 it earns $5,124/mo in rent and distributes $362/mo to the owner after the $3,080/mo payment, a consistent 8.98% yield. DSCR 1.66 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $189,253 in value; $6,309/yr in principal paydown compounds ownership stake. Total projected return: $285,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $362 | $1,500 |
City averages based on Caledonia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,124 |
| Total Monthly Debt Service | $4,489 |
| DSCR Ratio | 1.14x |
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 2004
2.55 Acres lot
$N/A/sqft
$125 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61011, Caledonia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,184 (100%) |
| Owner Occupied HU | 1,038 (87.7%) |
| Renter Occupied HU | 96 ( 8.1%) |
| Vacant Housing Units | 50 ( 4.2%) |
| Median Home Value | $294,685 |
| Average Home Value | $342,319 |
Housing Distribution
Address Breakdown
Residential
1,119
Single Family
1,119
Multi-Family
0
Businesses
36
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 2004
2.55 Acres lot
$N/A/sqft
$125 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61011, Caledonia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,184 (100%) |
| Owner Occupied HU | 1,038 (87.7%) |
| Renter Occupied HU | 96 ( 8.1%) |
| Vacant Housing Units | 50 ( 4.2%) |
| Median Home Value | $294,685 |
| Average Home Value | $342,319 |
Housing Distribution
Address Breakdown
Residential
1,119
Single Family
1,119
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karl Gasbarra • Gambino Realtors
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202502125
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.