165 E Penn AveRosevilleIL61473
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Roseville rental at 165 E Penn Ave, Roseville, IL, 61473 sits in the solid-income band: 10.58% gross yield, $1,190/mo rent, $254/mo net after the $607/mo debt service, DSCR 1.96. Entry price of $135,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $37,298 and $1,243/yr in principal reduction bring total cumulative return to $67,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 9.0% |
| Monthly Cash Flow | $254 | $800 |
City averages based on Roseville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,190 |
| Total Monthly Debt Service | $883 |
| DSCR Ratio | 1.35x |
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 1900
4,251 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61473, Roseville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 497 (67.4%) |
| Renter Occupied HU | 158 (21.4%) |
| Vacant Housing Units | 82 (11.1%) |
| Median Home Value | $119,260 |
| Average Home Value | $244,064 |
Housing Distribution
Address Breakdown
Residential
587
Single Family
587
Multi-Family
0
Businesses
61
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 1900
4,251 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61473, Roseville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 497 (67.4%) |
| Renter Occupied HU | 158 (21.4%) |
| Vacant Housing Units | 82 (11.1%) |
| Median Home Value | $119,260 |
| Average Home Value | $244,064 |
Housing Distribution
Address Breakdown
Residential
587
Single Family
587
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices