12292 Indian Trail RdGeneseoIL61254
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 12292 Indian Trail Rd, Geneseo, IL, 61254 in Geneseo: $3,385/mo in rent, $739/mo net, 10.65% gross yield, all on a $381,500 acquisition. The 1.97 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 $105,401 in value, and $3,514/yr in principal paydown steadily builds equity. Projected total cumulative return: $193,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 8.0% |
| Monthly Cash Flow | $739 | $1,500 |
City averages based on Geneseo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,385 |
| Total Monthly Debt Service | $2,494 |
| DSCR Ratio | 1.36x |
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 1979
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
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 1979
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices