14730 Kilpatrick Ave APT 3EMidlothianIL60445
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 14730 Kilpatrick Ave APT 3E, Midlothian, IL, 60445 in Midlothian achieves a 1.67 ratio at $110,000: $826/mo rent versus $495/mo debt service. Rental yield 9.01%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.01% yield compounds alongside 5% annual appreciation projecting $30,391 in value. Total projected cumulative return: $27,241.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $(252) | $300 |
City averages based on Midlothian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $826 |
| Total Monthly Debt Service | $1,034 |
| DSCR Ratio | 0.80x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in N/A
N/A lot
$N/A/sqft
$315 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60445, Midlothian, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,695 (100%) |
| Owner Occupied HU | 4,082 (71.7%) |
| Renter Occupied HU | 1,262 (22.2%) |
| Vacant Housing Units | 351 ( 6.2%) |
| Median Home Value | $225,228 |
| Average Home Value | $258,096 |
Housing Distribution
Address Breakdown
Residential
5,464
Single Family
4,582
Multi-Family
882
Businesses
324
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
Condo
Built in N/A
N/A lot
$N/A/sqft
$315 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60445, Midlothian, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,695 (100%) |
| Owner Occupied HU | 4,082 (71.7%) |
| Renter Occupied HU | 1,262 (22.2%) |
| Vacant Housing Units | 351 ( 6.2%) |
| Median Home Value | $225,228 |
| Average Home Value | $258,096 |
Housing Distribution
Address Breakdown
Residential
5,464
Single Family
4,582
Multi-Family
882
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marla Hosmer • Harthside Realtors, Inc.
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12385468
Disclaimer: Based on information submitted to the MLS GRID as of 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#17)