172 S Hossack StSenecaIL61360
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 172 S Hossack St, Seneca, IL, 61360 in Seneca. At $189,900 it earns $1,714/mo in rent and distributes $396/mo to the owner after the $854/mo payment, a consistent 10.83% yield. DSCR 2.01 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,466 in value; $1,749/yr in principal paydown compounds ownership stake. Total projected return: $98,190.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 7.0% |
| Monthly Cash Flow | $396 | $300 |
City averages based on Seneca market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,714 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 1.38x |
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 1890
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61360, Seneca, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,394 (100%) |
| Owner Occupied HU | 1,046 (75.0%) |
| Renter Occupied HU | 222 (15.9%) |
| Vacant Housing Units | 126 ( 9.0%) |
| Median Home Value | $264,935 |
| Average Home Value | $277,878 |
Housing Distribution
Address Breakdown
Residential
1,009
Single Family
1,009
Multi-Family
0
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 1 Bath
- 1384 sft
- 3 Bed
- 2 Bath
- 1000 sft
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 1890
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61360, Seneca, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,394 (100%) |
| Owner Occupied HU | 1,046 (75.0%) |
| Renter Occupied HU | 222 (15.9%) |
| Vacant Housing Units | 126 ( 9.0%) |
| Median Home Value | $264,935 |
| Average Home Value | $277,878 |
Housing Distribution
Address Breakdown
Residential
1,009
Single Family
1,009
Multi-Family
0
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 1 Bath
- 1384 sft
- 3 Bed
- 2 Bath
- 1000 sft