1306 Vandalia RdHillsboroIL62049
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1306 Vandalia Rd, Hillsboro, IL, 62049 in Hillsboro deserves attention. This $105,000 property earns $1,628/mo in rent, a 18.61% gross yield, and nets $900/mo after the $472/mo payment. DSCR 3.45 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $29,010 compounds alongside $967/yr in yearly equity build, for a total cumulative return of $98,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.6% | 6.0% |
| Monthly Cash Flow | $900 | $300 |
City averages based on Hillsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,628 |
| Total Monthly Debt Service | $687 |
| DSCR Ratio | 2.37x |
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 1920
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62049, Hillsboro, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,921 (100%) |
| Owner Occupied HU | 1,914 (65.5%) |
| Renter Occupied HU | 608 (20.8%) |
| Vacant Housing Units | 399 (13.7%) |
| Median Home Value | $130,952 |
| Average Home Value | $170,388 |
Housing Distribution
Address Breakdown
Residential
2,672
Single Family
2,616
Multi-Family
56
Businesses
256
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 1920
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62049, Hillsboro, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,921 (100%) |
| Owner Occupied HU | 1,914 (65.5%) |
| Renter Occupied HU | 608 (20.8%) |
| Vacant Housing Units | 399 (13.7%) |
| Median Home Value | $130,952 |
| Average Home Value | $170,388 |
Housing Distribution
Address Breakdown
Residential
2,672
Single Family
2,616
Multi-Family
56
Businesses
256
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melissa D Smith • MCR Realty Professionals, Inc
Mls Name: MARIS
Mls Provider:
Mls ID: #25048626
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