1412 Phyllis DrDixonIL61021
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1412 Phyllis Dr, Dixon, IL, 61021 in Dixon. Priced at $279,000, it generates $2,822/mo in gross rent and $860/mo in net monthly cash flow, a 12.14% yield that comfortably supports the 2.25 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,317. Five-year appreciation: $77,083. Equity from principal paydown: $2,570/yr. Total projected cumulative return: $162,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 9.0% |
| Monthly Cash Flow | $860 | $300 |
City averages based on Dixon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,822 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.52x |
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 2002
9,147 sqft lot
$N/A/sqft
No HOA
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 2002
9,147 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices