128 Stacy DrFairview HeightsIL62208
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 128 Stacy Dr, Fairview Heights, IL, 62208 in Fairview Heights at $200,000 earns $1,420/mo in rent and nets $33/mo after the $899/mo payment, a 8.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,256 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $1,842/yr in principal paydown, total projected return reaches $78,623.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.5% |
| Monthly Cash Flow | $33 | $350 |
City averages based on Fairview Heights 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 | $1,420 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.09x |
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 1973
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62208, Fairview Heights, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,347 (100%) |
| Owner Occupied HU | 5,252 (62.9%) |
| Renter Occupied HU | 2,226 (26.7%) |
| Vacant Housing Units | 869 (10.4%) |
| Median Home Value | $185,723 |
| Average Home Value | $201,366 |
Housing Distribution
Address Breakdown
Residential
7,320
Single Family
6,782
Multi-Family
538
Businesses
859
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 1973
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62208, Fairview Heights, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,347 (100%) |
| Owner Occupied HU | 5,252 (62.9%) |
| Renter Occupied HU | 2,226 (26.7%) |
| Vacant Housing Units | 869 (10.4%) |
| Median Home Value | $185,723 |
| Average Home Value | $201,366 |
Housing Distribution
Address Breakdown
Residential
7,320
Single Family
6,782
Multi-Family
538
Businesses
859
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26018390