141 Henderson StOswegoIL60543
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 141 Henderson St, Oswego, IL, 60543 in Oswego at $383,790 earns $2,820/mo in rent and nets $158/mo after the $1,726/mo payment, a 8.82% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $106,034 over five years. Ziffy Mortgage underwrites this on a 1.63 DSCR without U.S. credit history. With $3,535/yr in principal paydown, total projected return reaches $156,963.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 7.2% |
| Monthly Cash Flow | $158 | $350 |
City averages based on Oswego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $2,509 |
| DSCR Ratio | 1.12x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60543, Oswego, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,890 (100%) |
| Owner Occupied HU | 11,607 (78.0%) |
| Renter Occupied HU | 2,638 (17.7%) |
| Vacant Housing Units | 645 ( 4.3%) |
| Median Home Value | $339,936 |
| Average Home Value | $357,657 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
13,886
Multi-Family
591
Businesses
993
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60543, Oswego, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,890 (100%) |
| Owner Occupied HU | 11,607 (78.0%) |
| Renter Occupied HU | 2,638 (17.7%) |
| Vacant Housing Units | 645 ( 4.3%) |
| Median Home Value | $339,936 |
| Average Home Value | $357,657 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
13,886
Multi-Family
591
Businesses
993
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices