174 Clinton RdHamburgIL62045
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 174 Clinton Rd, Hamburg, IL, 62045 in Hamburg is listed at $115,000 and delivers $1,181/mo in rent and $383/mo in net monthly cash flow. The 12.32% yield and 2.28 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $31,772 over five years, and $1,059/yr in principal reduction supplements cash return. Total projected cumulative return: $68,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 8.0% |
| Monthly Cash Flow | $383 | $1,500 |
City averages based on Hamburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,181 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 1.57x |
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 1943
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62045, Hamburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 216 (100%) |
| Owner Occupied HU | 107 (49.5%) |
| Renter Occupied HU | 15 ( 6.9%) |
| Vacant Housing Units | 94 (43.5%) |
| Median Home Value | $235,938 |
| Average Home Value | $279,439 |
Housing Distribution
Address Breakdown
Residential
188
Single Family
188
Multi-Family
0
Businesses
4
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 1943
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62045, Hamburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 216 (100%) |
| Owner Occupied HU | 107 (49.5%) |
| Renter Occupied HU | 15 ( 6.9%) |
| Vacant Housing Units | 94 (43.5%) |
| Median Home Value | $235,938 |
| Average Home Value | $279,439 |
Housing Distribution
Address Breakdown
Residential
188
Single Family
188
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices