1420 Orchard StBellevilleIL62221
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 1420 Orchard St, Belleville, IL, 62221 in Belleville hard to pass up. The 16.55% gross yield on a $149,900 purchase results in $2,068/mo in rent and $951/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.07). Annual cash flow of $11,409, five-year appreciation of $41,415, and $1,381/yr in equity build-up combine for a projected total cumulative return of $118,871.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 4.8% |
| Monthly Cash Flow | $951 | $520 |
City averages based on Belleville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,068 |
| Total Monthly Debt Service | $1,057 |
| DSCR Ratio | 1.96x |
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 1935
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62221, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,726 (100%) |
| Owner Occupied HU | 7,788 (61.2%) |
| Renter Occupied HU | 4,046 (31.8%) |
| Vacant Housing Units | 892 ( 7.0%) |
| Median Home Value | $232,761 |
| Average Home Value | $264,956 |
Housing Distribution
Address Breakdown
Residential
12,440
Single Family
11,741
Multi-Family
699
Businesses
368
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 1935
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62221, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,726 (100%) |
| Owner Occupied HU | 7,788 (61.2%) |
| Renter Occupied HU | 4,046 (31.8%) |
| Vacant Housing Units | 892 ( 7.0%) |
| Median Home Value | $232,761 |
| Average Home Value | $264,956 |
Housing Distribution
Address Breakdown
Residential
12,440
Single Family
11,741
Multi-Family
699
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices