1352 County Road 1175 EGeffIL62842
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1352 County Road 1175 E, Geff, IL, 62842 in Geff at $225,000 earns $1,583/mo in rent and nets $22/mo after the $1,012/mo payment, a 8.44% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $62,163 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,072/yr in principal paydown, total projected return reaches $87,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $22 | $2,000 |
City averages based on Geff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,583 |
| Total Monthly Debt Service | $1,471 |
| DSCR Ratio | 1.08x |
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 2023
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62842, Geff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 228 (71.9%) |
| Renter Occupied HU | 55 (17.4%) |
| Vacant Housing Units | 34 (10.7%) |
| Median Home Value | $117,500 |
| Average Home Value | $150,581 |
Housing Distribution
Address Breakdown
Residential
309
Single Family
309
Multi-Family
0
Businesses
7
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 2023
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62842, Geff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 228 (71.9%) |
| Renter Occupied HU | 55 (17.4%) |
| Vacant Housing Units | 34 (10.7%) |
| Median Home Value | $117,500 |
| Average Home Value | $150,581 |
Housing Distribution
Address Breakdown
Residential
309
Single Family
309
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices