18577 Chauncey RdSumnerIL62466
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Sumner rental at 18577 Chauncey Rd, Sumner, IL, 62466 sits in the solid-income band: 10.26% gross yield, $1,538/mo rent, $290/mo net after the $809/mo debt service, DSCR 1.90. Entry price of $180,000 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 $49,731 and $1,658/yr in principal reduction bring total cumulative return to $87,523.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.0% |
| Monthly Cash Flow | $290 | $400 |
City averages based on Sumner market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,538 |
| Total Monthly Debt Service | $1,177 |
| DSCR Ratio | 1.31x |
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 1918
2.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62466, Sumner, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 917 (100%) |
| Owner Occupied HU | 657 (71.6%) |
| Renter Occupied HU | 141 (15.4%) |
| Vacant Housing Units | 119 (13.0%) |
| Median Home Value | $110,788 |
| Average Home Value | $135,986 |
Housing Distribution
Address Breakdown
Residential
918
Single Family
918
Multi-Family
0
Businesses
40
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 1918
2.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62466, Sumner, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 917 (100%) |
| Owner Occupied HU | 657 (71.6%) |
| Renter Occupied HU | 141 (15.4%) |
| Vacant Housing Units | 119 (13.0%) |
| Median Home Value | $110,788 |
| Average Home Value | $135,986 |
Housing Distribution
Address Breakdown
Residential
918
Single Family
918
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices