14837 Clover LnSouth BeloitIL61080
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 14837 Clover Ln, South Beloit, IL, 61080 in South Beloit deserves attention. This $200,000 property earns $1,928/mo in rent, a 11.57% gross yield, and nets $541/mo after the $899/mo payment. DSCR 2.14 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $55,256 compounds alongside $1,842/yr in yearly equity build, for a total cumulative return of $111,311.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 8.0% |
| Monthly Cash Flow | $541 | $1,200 |
City averages based on South Beloit market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,928 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.47x |
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 1998
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61080, South Beloit, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,686 (100%) |
| Owner Occupied HU | 3,293 (70.3%) |
| Renter Occupied HU | 1,040 (22.2%) |
| Vacant Housing Units | 353 ( 7.5%) |
| Median Home Value | $195,268 |
| Average Home Value | $228,383 |
Housing Distribution
Address Breakdown
Residential
4,437
Single Family
4,253
Multi-Family
184
Businesses
307
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 1998
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61080, South Beloit, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,686 (100%) |
| Owner Occupied HU | 3,293 (70.3%) |
| Renter Occupied HU | 1,040 (22.2%) |
| Vacant Housing Units | 353 ( 7.5%) |
| Median Home Value | $195,268 |
| Average Home Value | $228,383 |
Housing Distribution
Address Breakdown
Residential
4,437
Single Family
4,253
Multi-Family
184
Businesses
307
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ken Hirano • Dickerson & Nieman
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202505429
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.