1814 W Town Line RdLeaf RiverIL61047
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1814 W Town Line Rd, Leaf River, IL, 61047 in Leaf River is priced for appreciation, not yield. Rental yield 4.86%. At $495,000 with a 4.86% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $136,759 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.90) 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: $97,469.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 7.0% |
| Monthly Cash Flow | $(1,427) | $400 |
City averages based on Leaf River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,006 |
| Total Monthly Debt Service | $3,236 |
| DSCR Ratio | 0.62x |
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.
Home Type Unknown
Built in 1906
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61047, Leaf River, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 518 (69.9%) |
| Renter Occupied HU | 125 (16.9%) |
| Vacant Housing Units | 98 (13.2%) |
| Median Home Value | $244,286 |
| Average Home Value | $267,264 |
Housing Distribution
Address Breakdown
Residential
579
Single Family
579
Multi-Family
0
Businesses
29
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
Home Type Unknown
Built in 1906
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61047, Leaf River, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 518 (69.9%) |
| Renter Occupied HU | 125 (16.9%) |
| Vacant Housing Units | 98 (13.2%) |
| Median Home Value | $244,286 |
| Average Home Value | $267,264 |
Housing Distribution
Address Breakdown
Residential
579
Single Family
579
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A