12974 Northland Estates CtRocktonIL61072
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow12974 Northland Estates Ct, Rockton, IL, 61072 in Rockton is a top-tier cash-flow asset. At $237,000 it produces $2,162/mo in rent and $519/mo in net monthly income, a 10.95% gross rental yield. The DSCR of 2.03 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $6,222. Five-year appreciation adds $65,479, driving a total cumulative return of $124,013.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $519 | $300 |
City averages based on Rockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,162 |
| Total Monthly Debt Service | $1,550 |
| DSCR Ratio | 1.40x |
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 1984
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61072, Rockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,483 (100%) |
| Owner Occupied HU | 3,619 (80.7%) |
| Renter Occupied HU | 702 (15.7%) |
| Vacant Housing Units | 162 ( 3.6%) |
| Median Home Value | $223,654 |
| Average Home Value | $242,539 |
Housing Distribution
Address Breakdown
Residential
4,441
Single Family
4,339
Multi-Family
102
Businesses
186
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 1984
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61072, Rockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,483 (100%) |
| Owner Occupied HU | 3,619 (80.7%) |
| Renter Occupied HU | 702 (15.7%) |
| Vacant Housing Units | 162 ( 3.6%) |
| Median Home Value | $223,654 |
| Average Home Value | $242,539 |
Housing Distribution
Address Breakdown
Residential
4,441
Single Family
4,339
Multi-Family
102
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices