139 E Jefferson StRushvilleIL62681
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Rushville rental at 139 E Jefferson St, Rushville, IL, 62681 sits in the solid-income band: 10.49% gross yield, $1,128/mo rent, $233/mo net after the $580/mo debt service, DSCR 1.94. Entry price of $129,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $35,640 and $1,188/yr in principal reduction bring total cumulative return to $64,356.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.5% |
| Monthly Cash Flow | $233 | $1,200 |
City averages based on Rushville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,128 |
| Total Monthly Debt Service | $843 |
| DSCR Ratio | 1.34x |
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 N/A
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62681, Rushville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,416 (100%) |
| Owner Occupied HU | 1,589 (65.8%) |
| Renter Occupied HU | 455 (18.8%) |
| Vacant Housing Units | 372 (15.4%) |
| Median Home Value | $120,109 |
| Average Home Value | $152,086 |
Housing Distribution
Address Breakdown
Residential
2,190
Single Family
2,159
Multi-Family
31
Businesses
227
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 N/A
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62681, Rushville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,416 (100%) |
| Owner Occupied HU | 1,589 (65.8%) |
| Renter Occupied HU | 455 (18.8%) |
| Vacant Housing Units | 372 (15.4%) |
| Median Home Value | $120,109 |
| Average Home Value | $152,086 |
Housing Distribution
Address Breakdown
Residential
2,190
Single Family
2,159
Multi-Family
31
Businesses
227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices