14 Bent Tree LnTowandaIL61776
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing14 Bent Tree Ln, Towanda, IL, 61776 in Towanda is a stable, well-positioned rental at $449,000. Rental yield 6.41%. DSCR 1.19 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $124,050 in value and $4,135/yr in principal paydown builds equity, a total projected return of $125,780.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 7.0% |
| Monthly Cash Flow | $(714) | $1,200 |
City averages based on Towanda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,936 |
| DSCR Ratio | 0.82x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61776, Towanda, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 546 (100%) |
| Owner Occupied HU | 433 (79.3%) |
| Renter Occupied HU | 71 (13.0%) |
| Vacant Housing Units | 42 ( 7.7%) |
| Median Home Value | $370,611 |
| Average Home Value | $422,344 |
Housing Distribution
Address Breakdown
Residential
414
Single Family
414
Multi-Family
0
Businesses
32
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 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61776, Towanda, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 546 (100%) |
| Owner Occupied HU | 433 (79.3%) |
| Renter Occupied HU | 71 (13.0%) |
| Vacant Housing Units | 42 ( 7.7%) |
| Median Home Value | $370,611 |
| Average Home Value | $422,344 |
Housing Distribution
Address Breakdown
Residential
414
Single Family
414
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices