1633 Pebble Beach CirElginIL60123
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 1633 Pebble Beach Cir, Elgin, IL, 60123 in Elgin. At $276,900 it earns $2,340/mo in rent and distributes $204/mo to the owner after the $1,245/mo payment, a consistent 10.14% yield. DSCR 1.88 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $76,502 in value; $2,550/yr in principal paydown compounds ownership stake. Total projected return: $132,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.5% |
| Monthly Cash Flow | $204 | $200 |
City averages based on Elgin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $1,810 |
| DSCR Ratio | 1.29x |
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.
Townhouse
Built in 1990
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60123, Elgin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,172 (100%) |
| Owner Occupied HU | 11,272 (62.0%) |
| Renter Occupied HU | 6,153 (33.9%) |
| Vacant Housing Units | 747 ( 4.1%) |
| Median Home Value | $269,733 |
| Average Home Value | $313,397 |
Housing Distribution
Address Breakdown
Residential
17,284
Single Family
13,804
Multi-Family
3,480
Businesses
1,463
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
Townhouse
Built in 1990
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60123, Elgin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,172 (100%) |
| Owner Occupied HU | 11,272 (62.0%) |
| Renter Occupied HU | 6,153 (33.9%) |
| Vacant Housing Units | 747 ( 4.1%) |
| Median Home Value | $269,733 |
| Average Home Value | $313,397 |
Housing Distribution
Address Breakdown
Residential
17,284
Single Family
13,804
Multi-Family
3,480
Businesses
1,463
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices