1351 N 4483rd RdEarlvilleIL60518
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1351 N 4483rd Rd, Earlville, IL, 60518 in Earlville is narrow, $185/mo net on $1,467/mo rent after the $831/mo debt service, but the property operates at break-even-plus, not a loss. At $184,900 with a 9.52% yield, the long-run equity case via 5% appreciation ($51,084 over five years) and $1,703/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $82,616.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.0% |
| Monthly Cash Flow | $185 | $300 |
City averages based on Earlville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,467 |
| Total Monthly Debt Service | $1,209 |
| DSCR Ratio | 1.21x |
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 1974
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
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 1974
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices