140 S Main StBreeseIL62230
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 140 S Main St, Breese, IL, 62230 in Breese: $2,296/mo in rent, $1,006/mo net, 14.82% gross yield, all on a $185,900 acquisition. The 2.75 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $51,361 in value, and $1,712/yr in principal paydown steadily builds equity. Projected total cumulative return: $135,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.8% | 7.2% |
| Monthly Cash Flow | $1,006 | $1,500 |
City averages based on Breese market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,296 |
| Total Monthly Debt Service | $1,215 |
| DSCR Ratio | 1.89x |
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 1921
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62230, Breese, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,757 (100%) |
| Owner Occupied HU | 2,137 (77.5%) |
| Renter Occupied HU | 495 (18.0%) |
| Vacant Housing Units | 125 ( 4.5%) |
| Median Home Value | $208,659 |
| Average Home Value | $234,516 |
Housing Distribution
Address Breakdown
Residential
2,817
Single Family
2,816
Multi-Family
1
Businesses
293
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 1921
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62230, Breese, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,757 (100%) |
| Owner Occupied HU | 2,137 (77.5%) |
| Renter Occupied HU | 495 (18.0%) |
| Vacant Housing Units | 125 ( 4.5%) |
| Median Home Value | $208,659 |
| Average Home Value | $234,516 |
Housing Distribution
Address Breakdown
Residential
2,817
Single Family
2,816
Multi-Family
1
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices