20172 Prophet RdProphetstownIL61277
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 20172 Prophet Rd, Prophetstown, IL, 61277 in Prophetstown hard to pass up. The 11.79% gross yield on a $239,500 purchase results in $2,353/mo in rent and $692/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.18). Annual cash flow of $8,304, five-year appreciation of $66,169, and $2,206/yr in equity build-up combine for a projected total cumulative return of $136,162.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $692 | $1,200 |
City averages based on Prophetstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,353 |
| Total Monthly Debt Service | $1,566 |
| DSCR Ratio | 1.50x |
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 1978
4.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61277, Prophetstown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,475 (100%) |
| Owner Occupied HU | 1,053 (71.4%) |
| Renter Occupied HU | 252 (17.1%) |
| Vacant Housing Units | 170 (11.5%) |
| Median Home Value | $164,983 |
| Average Home Value | $205,166 |
Housing Distribution
Address Breakdown
Residential
1,340
Single Family
1,312
Multi-Family
28
Businesses
98
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 1978
4.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61277, Prophetstown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,475 (100%) |
| Owner Occupied HU | 1,053 (71.4%) |
| Renter Occupied HU | 252 (17.1%) |
| Vacant Housing Units | 170 (11.5%) |
| Median Home Value | $164,983 |
| Average Home Value | $205,166 |
Housing Distribution
Address Breakdown
Residential
1,340
Single Family
1,312
Multi-Family
28
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12528923