1893 Saint Marys RdSubletteIL61367
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1893 Saint Marys Rd, Sublette, IL, 61367 in Sublette. Priced at $256,100, it generates $2,725/mo in gross rent and $949/mo in net monthly cash flow, a 12.77% yield that comfortably supports the 2.37 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,386. Five-year appreciation: $70,756. Equity from principal paydown: $2,359/yr. Total projected cumulative return: $159,001.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 8.0% |
| Monthly Cash Flow | $949 | $1,200 |
City averages based on Sublette market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,725 |
| Total Monthly Debt Service | $1,674 |
| DSCR Ratio | 1.63x |
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 1891
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61367, Sublette, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 375 (100%) |
| Owner Occupied HU | 252 (67.2%) |
| Renter Occupied HU | 77 (20.5%) |
| Vacant Housing Units | 46 (12.3%) |
| Median Home Value | $228,571 |
| Average Home Value | $272,292 |
Housing Distribution
Address Breakdown
Residential
180
Single Family
180
Multi-Family
0
Businesses
28
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 1891
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61367, Sublette, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 375 (100%) |
| Owner Occupied HU | 252 (67.2%) |
| Renter Occupied HU | 77 (20.5%) |
| Vacant Housing Units | 46 (12.3%) |
| Median Home Value | $228,571 |
| Average Home Value | $272,292 |
Housing Distribution
Address Breakdown
Residential
180
Single Family
180
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices