1706 14th AveRock FallsIL61071
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1706 14th Ave, Rock Falls, IL, 61071 in Rock Falls is priced for appreciation, not yield. Rental yield 5.19%. At $208,000 with a 5.19% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $57,467 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.96) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $44,674.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 7.0% |
| Monthly Cash Flow | $(543) | $300 |
City averages based on Rock Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $1,360 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61071, Rock Falls, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,387 (100%) |
| Owner Occupied HU | 4,150 (65.0%) |
| Renter Occupied HU | 1,619 (25.3%) |
| Vacant Housing Units | 618 ( 9.7%) |
| Median Home Value | $120,084 |
| Average Home Value | $151,421 |
Housing Distribution
Address Breakdown
Residential
5,899
Single Family
5,570
Multi-Family
329
Businesses
412
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
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61071, Rock Falls, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,387 (100%) |
| Owner Occupied HU | 4,150 (65.0%) |
| Renter Occupied HU | 1,619 (25.3%) |
| Vacant Housing Units | 618 ( 9.7%) |
| Median Home Value | $120,084 |
| Average Home Value | $151,421 |
Housing Distribution
Address Breakdown
Residential
5,899
Single Family
5,570
Multi-Family
329
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12593759