15431-645 East StSheffieldIL61361
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 15431-645 East St, Sheffield, IL, 61361 in Sheffield deserves attention. This $134,100 property earns $1,849/mo in rent, a 16.55% gross yield, and nets $919/mo after the $603/mo payment. DSCR 3.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $37,049 compounds alongside $1,235/yr in yearly equity build, for a total cumulative return of $110,467.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 9.0% |
| Monthly Cash Flow | $919 | $1,200 |
City averages based on Sheffield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,849 |
| Total Monthly Debt Service | $877 |
| DSCR Ratio | 2.11x |
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 2015
4.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61361, Sheffield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 700 (100%) |
| Owner Occupied HU | 506 (72.3%) |
| Renter Occupied HU | 137 (19.6%) |
| Vacant Housing Units | 57 ( 8.1%) |
| Median Home Value | $128,000 |
| Average Home Value | $175,455 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
62
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 2015
4.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61361, Sheffield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 700 (100%) |
| Owner Occupied HU | 506 (72.3%) |
| Renter Occupied HU | 137 (19.6%) |
| Vacant Housing Units | 57 ( 8.1%) |
| Median Home Value | $128,000 |
| Average Home Value | $175,455 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices