204 Empson DrValmeyerIL62295
INVESTMENT ANALYSIS
Investment Verdict
Solid Income204 Empson Dr, Valmeyer, IL, 62295 in Valmeyer earns a respectable 9.32% gross yield at $145,000, but after the $652/mo mortgage the net cash flow is $120/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.73) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $40,061 over five years, making equity the dominant return driver. Total projected return: $63,178.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $120 | $300 |
City averages based on Valmeyer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,126 |
| Total Monthly Debt Service | $948 |
| DSCR Ratio | 1.19x |
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.
Townhouse
Built in 2001
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62295, Valmeyer, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 460 (74.7%) |
| Renter Occupied HU | 77 (12.5%) |
| Vacant Housing Units | 79 (12.8%) |
| Median Home Value | $209,551 |
| Average Home Value | $248,255 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
26
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
Townhouse
Built in 2001
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62295, Valmeyer, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 460 (74.7%) |
| Renter Occupied HU | 77 (12.5%) |
| Vacant Housing Units | 79 (12.8%) |
| Median Home Value | $209,551 |
| Average Home Value | $248,255 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices