124 E Union StEdwardsvilleIL62025
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 124 E Union St, Edwardsville, IL, 62025 in Edwardsville deserves attention. This $295,000 property earns $3,250/mo in rent, a 13.22% gross yield, and nets $1,053/mo after the $1,327/mo payment. DSCR 2.45 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $81,503 compounds alongside $2,717/yr in yearly equity build, for a total cumulative return of $181,254.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 5.0% |
| Monthly Cash Flow | $1,053 | $300 |
City averages based on Edwardsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,250 |
| Total Monthly Debt Service | $2,079 |
| DSCR Ratio | 1.56x |
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 2023
800 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62025, Edwardsville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,931 (100%) |
| Owner Occupied HU | 9,974 (66.8%) |
| Renter Occupied HU | 3,684 (24.7%) |
| Vacant Housing Units | 1,273 ( 8.5%) |
| Median Home Value | $344,085 |
| Average Home Value | $380,272 |
Housing Distribution
Address Breakdown
Residential
14,276
Single Family
13,541
Multi-Family
735
Businesses
1,275
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 2023
800 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62025, Edwardsville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,931 (100%) |
| Owner Occupied HU | 9,974 (66.8%) |
| Renter Occupied HU | 3,684 (24.7%) |
| Vacant Housing Units | 1,273 ( 8.5%) |
| Median Home Value | $344,085 |
| Average Home Value | $380,272 |
Housing Distribution
Address Breakdown
Residential
14,276
Single Family
13,541
Multi-Family
735
Businesses
1,275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices