200 E Dakota StSpring ValleyIL61362
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 200 E Dakota St, Spring Valley, IL, 61362 in Spring Valley speaks for itself: 10.92% gross on a $250,000 price, generating $2,275/mo in rent and $541/mo in net income after the $1,124/mo debt service. DSCR 2.02, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,494 stacks alongside $69,070 in projected five-year appreciation and $2,303/yr in principal reduction. Projected total cumulative return: $130,453.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $541 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,275 |
| Total Monthly Debt Service | $1,635 |
| DSCR Ratio | 1.39x |
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 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61362, Spring Valley, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,640 (100%) |
| Owner Occupied HU | 1,656 (62.7%) |
| Renter Occupied HU | 756 (28.6%) |
| Vacant Housing Units | 228 ( 8.6%) |
| Median Home Value | $150,794 |
| Average Home Value | $162,109 |
Housing Distribution
Address Breakdown
Residential
2,534
Single Family
2,366
Multi-Family
168
Businesses
171
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 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61362, Spring Valley, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,640 (100%) |
| Owner Occupied HU | 1,656 (62.7%) |
| Renter Occupied HU | 756 (28.6%) |
| Vacant Housing Units | 228 ( 8.6%) |
| Median Home Value | $150,794 |
| Average Home Value | $162,109 |
Housing Distribution
Address Breakdown
Residential
2,534
Single Family
2,366
Multi-Family
168
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls ID: #202505722