18819 Maple StCarlyleIL62231
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 18819 Maple St, Carlyle, IL, 62231 in Carlyle is a conservative rental investment at $230,000. Rental yield 6.01%. A 1.11 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $63,545; $2,118/yr in principal paydown supplements. Total projected return: $58,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 8.0% |
| Monthly Cash Flow | $(460) | $200 |
City averages based on Carlyle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,152 |
| Total Monthly Debt Service | $1,520 |
| DSCR Ratio | 0.76x |
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.
Manufactured
Built in 2001
10,018 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
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
Manufactured
Built in 2001
10,018 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices