12790 W Sanctuary LnLake BluffIL60044
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12790 W Sanctuary Ln, Lake Bluff, IL, 60044 in Lake Bluff is narrow, $116/mo net on $4,800/mo rent after the $2,923/mo debt service, but the property operates at break-even-plus, not a loss. At $650,000 with a 8.86% yield, the long-run equity case via 5% appreciation ($179,583 over five years) and $5,987/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $267,323.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $116 | $1,200 |
City averages based on Lake Bluff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $4,250 |
| DSCR Ratio | 1.13x |
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 1994
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60044, Lake Bluff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,469 (100%) |
| Owner Occupied HU | 3,046 (68.2%) |
| Renter Occupied HU | 1,140 (25.5%) |
| Vacant Housing Units | 283 ( 6.3%) |
| Median Home Value | $570,313 |
| Average Home Value | $665,553 |
Housing Distribution
Address Breakdown
Residential
4,240
Single Family
3,426
Multi-Family
814
Businesses
682
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 1994
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60044, Lake Bluff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,469 (100%) |
| Owner Occupied HU | 3,046 (68.2%) |
| Renter Occupied HU | 1,140 (25.5%) |
| Vacant Housing Units | 283 ( 6.3%) |
| Median Home Value | $570,313 |
| Average Home Value | $665,553 |
Housing Distribution
Address Breakdown
Residential
4,240
Single Family
3,426
Multi-Family
814
Businesses
682
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12591369