14 N Maple StWinchesterIL62694
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Winchester rentals match the income profile of 14 N Maple St, Winchester, IL, 62694. Listed at $144,900, gross rent is $2,696/mo and net cash flow is $1,666/mo, a 22.33% yield well above national averages. DSCR 4.13 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $40,033 by year five with $1,335/yr in annual principal reduction, projecting $162,685 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 22.3% | 7.0% |
| Monthly Cash Flow | $1,666 | $300 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,696 |
| Total Monthly Debt Service | $973 |
| DSCR Ratio | 2.77x |
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 1897
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62694, Winchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,669 (100%) |
| Owner Occupied HU | 1,172 (70.2%) |
| Renter Occupied HU | 296 (17.7%) |
| Vacant Housing Units | 201 (12.0%) |
| Median Home Value | $122,588 |
| Average Home Value | $157,395 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
119
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 1897
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62694, Winchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,669 (100%) |
| Owner Occupied HU | 1,172 (70.2%) |
| Renter Occupied HU | 296 (17.7%) |
| Vacant Housing Units | 201 (12.0%) |
| Median Home Value | $122,588 |
| Average Home Value | $157,395 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices