1641 Timber RdgColumbiaIL62236
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1641 Timber Rdg, Columbia, IL, 62236 in Columbia: $6,617/mo in rent, $2,107/mo net, 12.22% gross yield, all on a $649,900 acquisition. The 2.26 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $179,555 in value, and $5,986/yr in principal paydown steadily builds equity. Projected total cumulative return: $384,206.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 7.0% |
| Monthly Cash Flow | $2,107 | $1,200 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,617 |
| Total Monthly Debt Service | $4,251 |
| DSCR Ratio | 1.56x |
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 2013
0.61 Acres lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62236, Columbia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,987 (100%) |
| Owner Occupied HU | 4,739 (79.2%) |
| Renter Occupied HU | 930 (15.5%) |
| Vacant Housing Units | 318 ( 5.3%) |
| Median Home Value | $325,870 |
| Average Home Value | $363,309 |
Housing Distribution
Address Breakdown
Residential
5,708
Single Family
5,560
Multi-Family
148
Businesses
511
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 2013
0.61 Acres lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62236, Columbia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,987 (100%) |
| Owner Occupied HU | 4,739 (79.2%) |
| Renter Occupied HU | 930 (15.5%) |
| Vacant Housing Units | 318 ( 5.3%) |
| Median Home Value | $325,870 |
| Average Home Value | $363,309 |
Housing Distribution
Address Breakdown
Residential
5,708
Single Family
5,560
Multi-Family
148
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices