12904 State Route 78HavanaIL62644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12904 State Route 78, Havana, IL, 62644 in Havana at $115,000 earns $893/mo in rent and nets $95/mo after the $517/mo payment, a 9.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,772 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,059/yr in principal paydown, total projected return reaches $50,171.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 4.5% |
| Monthly Cash Flow | $95 | $250 |
City averages based on Havana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $893 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 1.19x |
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 1935
9,240 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
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 1935
9,240 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices