204 SW 12th StAledoIL61231
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 204 SW 12th St, Aledo, IL, 61231 in Aledo speaks for itself: 16.08% gross on a $190,000 price, generating $2,546/mo in rent and $1,229/mo in net income after the $854/mo debt service. DSCR 2.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,742 stacks alongside $52,494 in projected five-year appreciation and $1,750/yr in principal reduction. Projected total cumulative return: $151,767.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.0% |
| Monthly Cash Flow | $1,229 | $300 |
City averages based on Aledo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,546 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 2.05x |
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 1977
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61231, Aledo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,508 (100%) |
| Owner Occupied HU | 1,665 (66.4%) |
| Renter Occupied HU | 585 (23.3%) |
| Vacant Housing Units | 258 (10.3%) |
| Median Home Value | $155,101 |
| Average Home Value | $175,066 |
Housing Distribution
Address Breakdown
Residential
2,314
Single Family
2,155
Multi-Family
159
Businesses
240
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 1977
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61231, Aledo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,508 (100%) |
| Owner Occupied HU | 1,665 (66.4%) |
| Renter Occupied HU | 585 (23.3%) |
| Vacant Housing Units | 258 (10.3%) |
| Median Home Value | $155,101 |
| Average Home Value | $175,066 |
Housing Distribution
Address Breakdown
Residential
2,314
Single Family
2,155
Multi-Family
159
Businesses
240
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices