1317 W Johnson StVandaliaIL62471
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1317 W Johnson St, Vandalia, IL, 62471 in Vandalia deserves attention. This $137,500 property earns $2,189/mo in rent, a 19.1% gross yield, and nets $1,235/mo after the $618/mo payment. DSCR 3.54 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $37,989 compounds alongside $1,266/yr in yearly equity build, for a total cumulative return of $132,139.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 9.0% |
| Monthly Cash Flow | $1,235 | $300 |
City averages based on Vandalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,189 |
| Total Monthly Debt Service | $899 |
| DSCR Ratio | 2.43x |
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 1945
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62471, Vandalia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,818 (100%) |
| Owner Occupied HU | 2,399 (62.8%) |
| Renter Occupied HU | 936 (24.5%) |
| Vacant Housing Units | 483 (12.7%) |
| Median Home Value | $124,807 |
| Average Home Value | $172,931 |
Housing Distribution
Address Breakdown
Residential
3,606
Single Family
3,566
Multi-Family
40
Businesses
406
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 1945
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62471, Vandalia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,818 (100%) |
| Owner Occupied HU | 2,399 (62.8%) |
| Renter Occupied HU | 936 (24.5%) |
| Vacant Housing Units | 483 (12.7%) |
| Median Home Value | $124,807 |
| Average Home Value | $172,931 |
Housing Distribution
Address Breakdown
Residential
3,606
Single Family
3,566
Multi-Family
40
Businesses
406
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices