1320 W Saint Clair StVandaliaIL62471
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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
Investment Highlights
Investment property for sale in Vandalia at 1320 W Saint Clair St, Vandalia, IL, 62471 offers a 9.44% rental yield on a $130,000 purchase with $1,023/mo rent. Total monthly income registers $1,023/mo, and a $636/mo payment leaves $122/mo available for distribution. Annual cash flow reaches $1,459/yr on $43,095 to close, and return on cash invested stands at 23.29% in year one. Equity gained on principal adds $839/yr while 5% annual appreciation supports $35,917 over five years. Portfolio math shows five-year ROI at 122.03% and total cumulative return in cash at $52,587. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,023/mo property income against a $636/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1940
7,601 sqft 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
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