1216 N Topper DrMount PulaskiIL62548
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.62% yield at 1216 N Topper Dr, Mount Pulaski, IL, 62548 in Mount Pulaski is solid, but the $760/mo payment compresses net cash flow to $183/mo at $169,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $46,692 by year five, and $1,557/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.78) without U.S. income documentation. Total projected return: $76,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $183 | $400 |
City averages based on Mount Pulaski market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,355 |
| Total Monthly Debt Service | $1,105 |
| DSCR Ratio | 1.23x |
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 1956
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62548, Mount Pulaski, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 756 (72.2%) |
| Renter Occupied HU | 187 (17.9%) |
| Vacant Housing Units | 104 ( 9.9%) |
| Median Home Value | $124,260 |
| Average Home Value | $154,897 |
Housing Distribution
Address Breakdown
Residential
932
Single Family
932
Multi-Family
0
Businesses
69
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 1956
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62548, Mount Pulaski, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 756 (72.2%) |
| Renter Occupied HU | 187 (17.9%) |
| Vacant Housing Units | 104 ( 9.9%) |
| Median Home Value | $124,260 |
| Average Home Value | $154,897 |
Housing Distribution
Address Breakdown
Residential
932
Single Family
932
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RMLS Alliance as distributed by MLS GRID
Mls Provider:
Mls ID: #CA1045698