130 E Maple StRosevilleIL61473
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 130 E Maple St, Roseville, IL, 61473 in Roseville is narrow, $165/mo net on $1,240/mo rent after the $697/mo debt service, but the property operates at break-even-plus, not a loss. At $154,990 with a 9.6% yield, the long-run equity case via 5% appreciation ($42,821 over five years) and $1,427/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.78 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 9.0% |
| Monthly Cash Flow | $165 | $800 |
City averages based on Roseville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,240 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 1.22x |
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
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61473, Roseville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 497 (67.4%) |
| Renter Occupied HU | 158 (21.4%) |
| Vacant Housing Units | 82 (11.1%) |
| Median Home Value | $119,260 |
| Average Home Value | $244,064 |
Housing Distribution
Address Breakdown
Residential
587
Single Family
587
Multi-Family
0
Businesses
61
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
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61473, Roseville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 497 (67.4%) |
| Renter Occupied HU | 158 (21.4%) |
| Vacant Housing Units | 82 (11.1%) |
| Median Home Value | $119,260 |
| Average Home Value | $244,064 |
Housing Distribution
Address Breakdown
Residential
587
Single Family
587
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices