12610 N 1900 East RdFairburyIL61739
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 12610 N 1900 East Rd, Fairbury, IL, 61739 in Fairbury: $2,062/mo in rent, $501/mo net, 11% gross yield, all on a $225,000 acquisition. The 2.04 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 $62,163 in value, and $2,072/yr in principal paydown steadily builds equity. Projected total cumulative return: $118,308.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 9.0% |
| Monthly Cash Flow | $501 | $250 |
City averages based on Fairbury 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 | $2,062 |
| Total Monthly Debt Service | $1,471 |
| DSCR Ratio | 1.40x |
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 1890
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61739, Fairbury, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,044 (100%) |
| Owner Occupied HU | 1,405 (68.7%) |
| Renter Occupied HU | 465 (22.7%) |
| Vacant Housing Units | 174 ( 8.5%) |
| Median Home Value | $174,088 |
| Average Home Value | $199,256 |
Housing Distribution
Address Breakdown
Residential
1,918
Single Family
1,783
Multi-Family
135
Businesses
224
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 1890
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61739, Fairbury, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,044 (100%) |
| Owner Occupied HU | 1,405 (68.7%) |
| Renter Occupied HU | 465 (22.7%) |
| Vacant Housing Units | 174 ( 8.5%) |
| Median Home Value | $174,088 |
| Average Home Value | $199,256 |
Housing Distribution
Address Breakdown
Residential
1,918
Single Family
1,783
Multi-Family
135
Businesses
224
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices