201 McKinley StGeorgetownIL61846
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 201 McKinley St, Georgetown, IL, 61846 in Georgetown is narrow, $145/mo net on $960/mo rent after the $528/mo debt service, but the property operates at break-even-plus, not a loss. At $117,500 with a 9.8% yield, the long-run equity case via 5% appreciation ($32,463 over five years) and $1,082/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.82 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $54,340.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 5.2% |
| Monthly Cash Flow | $145 | $300 |
City averages based on Georgetown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 1.25x |
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 1949
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61846, Georgetown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,127 (100%) |
| Owner Occupied HU | 1,371 (64.5%) |
| Renter Occupied HU | 525 (24.7%) |
| Vacant Housing Units | 231 (10.9%) |
| Median Home Value | $86,852 |
| Average Home Value | $120,954 |
Housing Distribution
Address Breakdown
Residential
1,945
Single Family
1,905
Multi-Family
40
Businesses
103
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 1949
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61846, Georgetown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,127 (100%) |
| Owner Occupied HU | 1,371 (64.5%) |
| Renter Occupied HU | 525 (24.7%) |
| Vacant Housing Units | 231 (10.9%) |
| Median Home Value | $86,852 |
| Average Home Value | $120,954 |
Housing Distribution
Address Breakdown
Residential
1,945
Single Family
1,905
Multi-Family
40
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Floyd Young • MOSSY OAK PROPERTIES Illinois Land and Lifestyle
Mls Name: CIBR
Mls ID: #6254194