14231 S State StRiverdaleIL60827
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14231 S State St, Riverdale, IL, 60827 in Riverdale at $149,900 earns $1,187/mo in rent and nets $147/mo after the $674/mo payment, a 9.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,415 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $1,381/yr in principal paydown, total projected return reaches $66,815.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $147 | $200 |
City averages based on Riverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,187 |
| Total Monthly Debt Service | $980 |
| DSCR Ratio | 1.21x |
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 1956
3,125 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 1956
3,125 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices