12350 W State Route 26PoloIL61064
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 12350 W State Route 26, Polo, IL, 61064 in Polo the bet is firmly on appreciation. Rental yield 4.6%. The 4.6% gross yield on a $405,200 price is below income-first thresholds, but 5%/yr value growth projects $111,949 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.85) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $74,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(1,257) | $150 |
City averages based on Polo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,554 |
| Total Monthly Debt Service | $2,649 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
3.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61064, Polo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,676 (100%) |
| Owner Occupied HU | 1,109 (66.2%) |
| Renter Occupied HU | 378 (22.6%) |
| Vacant Housing Units | 189 (11.3%) |
| Median Home Value | $157,083 |
| Average Home Value | $193,632 |
Housing Distribution
Address Breakdown
Residential
1,585
Single Family
1,551
Multi-Family
34
Businesses
113
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 N/A
3.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61064, Polo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,676 (100%) |
| Owner Occupied HU | 1,109 (66.2%) |
| Renter Occupied HU | 378 (22.6%) |
| Vacant Housing Units | 189 (11.3%) |
| Median Home Value | $157,083 |
| Average Home Value | $193,632 |
Housing Distribution
Address Breakdown
Residential
1,585
Single Family
1,551
Multi-Family
34
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices