12631 Derry Dr #30502LemontIL60439
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 12631 Derry Dr #30502, Lemont, IL, 60439 in Lemont achieves 1.63, rent of $3,480/mo covers the $2,135/mo payment 1.5x over at $474,842. Rental yield 8.79%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $131,190 over five years, with $4,373/yr in principal reduction bringing total projected return to $193,618.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $(100) | $400 |
City averages based on Lemont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,480 |
| Total Monthly Debt Service | $3,105 |
| DSCR Ratio | 1.12x |
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.
Multi Family
Built in 2026
5,407 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60439, Lemont, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,725 (100%) |
| Owner Occupied HU | 7,954 (81.8%) |
| Renter Occupied HU | 1,290 (13.3%) |
| Vacant Housing Units | 481 ( 4.9%) |
| Median Home Value | $463,880 |
| Average Home Value | $514,468 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,782
Multi-Family
480
Businesses
685
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
Multi Family
Built in 2026
5,407 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60439, Lemont, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,725 (100%) |
| Owner Occupied HU | 7,954 (81.8%) |
| Renter Occupied HU | 1,290 (13.3%) |
| Vacant Housing Units | 481 ( 4.9%) |
| Median Home Value | $463,880 |
| Average Home Value | $514,468 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,782
Multi-Family
480
Businesses
685
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices