1867 Saint Pauls Church RdChapinIL62628
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 1867 Saint Pauls Church Rd, Chapin, IL, 62628 in Chapin offers a clean, manageable entry. Rental yield 7.15%. DSCR 1.33 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $66,308 in additional property value over five years, with $2,210/yr in principal equity building ownership stake. Total projected cumulative return: $76,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $(234) | $1,000 |
City averages based on Chapin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,430 |
| Total Monthly Debt Service | $1,569 |
| DSCR Ratio | 0.91x |
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 1946
22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62628, Chapin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 360 (100%) |
| Owner Occupied HU | 290 (80.6%) |
| Renter Occupied HU | 50 (13.9%) |
| Vacant Housing Units | 20 ( 5.6%) |
| Median Home Value | $117,788 |
| Average Home Value | $172,405 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
21
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 1946
22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62628, Chapin, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 360 (100%) |
| Owner Occupied HU | 290 (80.6%) |
| Renter Occupied HU | 50 (13.9%) |
| Vacant Housing Units | 20 ( 5.6%) |
| Median Home Value | $117,788 |
| Average Home Value | $172,405 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Cebuhar • Whitetail Properties Real Esta
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #CA1036163
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