150 N Brock StSmithfieldIL61477
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 150 N Brock St, Smithfield, IL, 61477 in Smithfield, $114,900, 9.3% gross yield, $93/mo net income. Consider it a market-entry position, the $890/mo rent covers the $517/mo payment with a margin, and 5%/yr appreciation is projected to add $31,745 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.72) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $49,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $93 | $1,200 |
City averages based on Smithfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $890 |
| Total Monthly Debt Service | $751 |
| DSCR Ratio | 1.18x |
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 N/A
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61477, Smithfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 173 (75.2%) |
| Renter Occupied HU | 27 (11.7%) |
| Vacant Housing Units | 30 (13.0%) |
| Median Home Value | $171,250 |
| Average Home Value | $198,237 |
Housing Distribution
Address Breakdown
Residential
203
Single Family
203
Multi-Family
0
Businesses
10
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 N/A
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61477, Smithfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 173 (75.2%) |
| Renter Occupied HU | 27 (11.7%) |
| Vacant Housing Units | 30 (13.0%) |
| Median Home Value | $171,250 |
| Average Home Value | $198,237 |
Housing Distribution
Address Breakdown
Residential
203
Single Family
203
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chad Markley • Gorsuch Realty & Auction
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #PA1254241
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.