186 Peru StPaw PawIL61353
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 186 Peru St, Paw Paw, IL, 61353 in Paw Paw at $199,000. Rental yield 6.94%. The 6.94% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $54,980 by year five, and $1,833/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $61,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 7.0% |
| Monthly Cash Flow | $(230) | $400 |
City averages based on Paw Paw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,151 |
| Total Monthly Debt Service | $1,301 |
| DSCR Ratio | 0.88x |
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 2012
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61353, Paw Paw, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 602 (100%) |
| Owner Occupied HU | 445 (73.9%) |
| Renter Occupied HU | 95 (15.8%) |
| Vacant Housing Units | 62 (10.3%) |
| Median Home Value | $178,516 |
| Average Home Value | $212,826 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
Multi-Family
0
Businesses
33
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 2012
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61353, Paw Paw, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 602 (100%) |
| Owner Occupied HU | 445 (73.9%) |
| Renter Occupied HU | 95 (15.8%) |
| Vacant Housing Units | 62 (10.3%) |
| Median Home Value | $178,516 |
| Average Home Value | $212,826 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices