1317 E Gartner RdNapervilleIL60540
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1317 E Gartner Rd, Naperville, IL, 60540 in Naperville. Priced at $400,000, it generates $5,206/mo in gross rent and $1,940/mo in net monthly cash flow, a 15.62% yield that comfortably supports the 2.89 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $23,286. Five-year appreciation: $110,513. Equity from principal paydown: $3,684/yr. Total projected cumulative return: $279,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.6% | 5.1% |
| Monthly Cash Flow | $1,940 | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,206 |
| Total Monthly Debt Service | $3,106 |
| DSCR Ratio | 1.68x |
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 1975
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
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 1975
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices