139 W Benton AveStocktonIL61085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 139 W Benton Ave, Stockton, IL, 61085 in Stockton deserves attention. This $120,000 property earns $1,988/mo in rent, a 19.88% gross yield, and nets $1,156/mo after the $540/mo payment. DSCR 3.68 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $33,154 compounds alongside $1,105/yr in yearly equity build, for a total cumulative return of $120,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.9% | 8.0% |
| Monthly Cash Flow | $1,156 | $200 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,988 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 2.53x |
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 1888
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61085, Stockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 1,132 (67.0%) |
| Renter Occupied HU | 287 (17.0%) |
| Vacant Housing Units | 270 (16.0%) |
| Median Home Value | $150,763 |
| Average Home Value | $188,500 |
Housing Distribution
Address Breakdown
Residential
1,436
Single Family
1,407
Multi-Family
29
Businesses
149
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 1888
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61085, Stockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 1,132 (67.0%) |
| Renter Occupied HU | 287 (17.0%) |
| Vacant Housing Units | 270 (16.0%) |
| Median Home Value | $150,763 |
| Average Home Value | $188,500 |
Housing Distribution
Address Breakdown
Residential
1,436
Single Family
1,407
Multi-Family
29
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices