20445 Spirea LnCrest HillIL60403
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Crest Hill rental at 20445 Spirea Ln, Crest Hill, IL, 60403 sits in the solid-income band: 9.43% gross yield, $3,535/mo rent, $415/mo net after the $2,023/mo debt service, DSCR 1.75. Entry price of $449,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $124,299 and $4,144/yr in principal reduction bring total cumulative return to $198,747.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $415 | $300 |
City averages based on Crest Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,535 |
| Total Monthly Debt Service | $2,942 |
| DSCR Ratio | 1.20x |
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 2003
6,098 sqft lot
$N/A/sqft
No HOA
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 2003
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jonathan Strauss • M Street Group Inc
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12418016