126 W Roosevelt RdStillman ValleyIL61084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 126 W Roosevelt Rd, Stillman Valley, IL, 61084 in Stillman Valley at $185,000 earns $1,446/mo in rent and nets $163/mo after the $832/mo payment, a 9.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,112 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $1,704/yr in principal paydown, total projected return reaches $81,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $163 | $1,500 |
City averages based on Stillman Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,446 |
| Total Monthly Debt Service | $1,210 |
| DSCR Ratio | 1.20x |
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 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61084, Stillman Valley, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,378 (100%) |
| Owner Occupied HU | 1,162 (84.3%) |
| Renter Occupied HU | 152 (11.0%) |
| Vacant Housing Units | 64 ( 4.6%) |
| Median Home Value | $250,298 |
| Average Home Value | $311,441 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
48
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 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61084, Stillman Valley, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,378 (100%) |
| Owner Occupied HU | 1,162 (84.3%) |
| Renter Occupied HU | 152 (11.0%) |
| Vacant Housing Units | 64 ( 4.6%) |
| Median Home Value | $250,298 |
| Average Home Value | $311,441 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robin Henry • Keller Williams Realty Signature
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls ID: #202505987