14 Westmount AveWenonaIL61377
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 14 Westmount Ave, Wenona, IL, 61377 in Wenona is narrow, $51/mo net on $880/mo rent after the $537/mo debt service, but the property operates at break-even-plus, not a loss. At $119,500 with a 8.83% yield, the long-run equity case via 5% appreciation ($33,016 over five years) and $1,101/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,081.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 8.0% |
| Monthly Cash Flow | $51 | $1,200 |
City averages based on Wenona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $880 |
| Total Monthly Debt Service | $781 |
| DSCR Ratio | 1.13x |
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.
Multi Family
Built in 2000
6,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61377, Wenona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 655 (100%) |
| Owner Occupied HU | 426 (65.0%) |
| Renter Occupied HU | 137 (20.9%) |
| Vacant Housing Units | 92 (14.0%) |
| Median Home Value | $119,776 |
| Average Home Value | $165,869 |
Housing Distribution
Address Breakdown
Residential
355
Single Family
355
Multi-Family
0
Businesses
50
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
Multi Family
Built in 2000
6,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61377, Wenona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 655 (100%) |
| Owner Occupied HU | 426 (65.0%) |
| Renter Occupied HU | 137 (20.9%) |
| Vacant Housing Units | 92 (14.0%) |
| Median Home Value | $119,776 |
| Average Home Value | $165,869 |
Housing Distribution
Address Breakdown
Residential
355
Single Family
355
Multi-Family
0
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices