128 W Date StHartfordIL62048
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 128 W Date St, Hartford, IL, 62048 in Hartford: $1,459/mo in rent, $627/mo net, 14.59% gross yield, all on a $113,500 acquisition. The 2.86 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 $31,358 in value, and $1,045/yr in principal paydown steadily builds equity. Projected total cumulative return: $86,698.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 9.0% |
| Monthly Cash Flow | $627 | $200 |
City averages based on Hartford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,459 |
| Total Monthly Debt Service | $742 |
| DSCR Ratio | 1.97x |
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 1930
5,127 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62048, Hartford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 400 (66.7%) |
| Renter Occupied HU | 146 (24.3%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $74,857 |
| Average Home Value | $90,944 |
Housing Distribution
Address Breakdown
Residential
515
Single Family
515
Multi-Family
0
Businesses
44
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 1930
5,127 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62048, Hartford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 400 (66.7%) |
| Renter Occupied HU | 146 (24.3%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $74,857 |
| Average Home Value | $90,944 |
Housing Distribution
Address Breakdown
Residential
515
Single Family
515
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert D Doody • Tarrant and Harman Real Estate and Auction Co
Mls Name: MARIS
Mls Provider:
Mls ID: #25055375
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