201 4th StNew BostonIL61272
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 201 4th St, New Boston, IL, 61272 in New Boston is narrow, $141/mo net on $1,077/mo rent after the $607/mo debt service, but the property operates at break-even-plus, not a loss. At $134,900 with a 9.58% yield, the long-run equity case via 5% appreciation ($37,270 over five years) and $1,242/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $60,690.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $141 | $300 |
City averages based on New Boston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,077 |
| Total Monthly Debt Service | $882 |
| DSCR Ratio | 1.22x |
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 1900
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61272, New Boston, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 717 (100%) |
| Owner Occupied HU | 535 (74.6%) |
| Renter Occupied HU | 96 (13.4%) |
| Vacant Housing Units | 86 (12.0%) |
| Median Home Value | $139,195 |
| Average Home Value | $176,860 |
Housing Distribution
Address Breakdown
Residential
665
Single Family
665
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 1900
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61272, New Boston, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 717 (100%) |
| Owner Occupied HU | 535 (74.6%) |
| Renter Occupied HU | 96 (13.4%) |
| Vacant Housing Units | 86 (12.0%) |
| Median Home Value | $139,195 |
| Average Home Value | $176,860 |
Housing Distribution
Address Breakdown
Residential
665
Single Family
665
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Weeks • Ruhl&Ruhl REALTORS Moline
Mls Name: RMLS Alliance
Mls ID: #QC4266806