12944 Ospur RdClintonIL61727
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 12944 Ospur Rd, Clinton, IL, 61727 in Clinton is a conservative rental investment at $334,900. Rental yield 7.04%. A 1.31 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $92,527; $3,084/yr in principal paydown supplements. Total projected return: $105,148.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $(357) | $250 |
City averages based on Clinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,966 |
| Total Monthly Debt Service | $2,190 |
| DSCR Ratio | 0.90x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61727, Clinton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,556 (100%) |
| Owner Occupied HU | 2,994 (65.7%) |
| Renter Occupied HU | 1,136 (24.9%) |
| Vacant Housing Units | 426 ( 9.4%) |
| Median Home Value | $138,468 |
| Average Home Value | $190,702 |
Housing Distribution
Address Breakdown
Residential
4,224
Single Family
4,087
Multi-Family
137
Businesses
353
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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61727, Clinton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,556 (100%) |
| Owner Occupied HU | 2,994 (65.7%) |
| Renter Occupied HU | 1,136 (24.9%) |
| Vacant Housing Units | 426 ( 9.4%) |
| Median Home Value | $138,468 |
| Average Home Value | $190,702 |
Housing Distribution
Address Breakdown
Residential
4,224
Single Family
4,087
Multi-Family
137
Businesses
353
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices