205 N Illini StShabbonaIL60550
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 205 N Illini St, Shabbona, IL, 60550 in Shabbona: $1,970/mo in rent, $444/mo in net income, 10.75% gross yield, 1.99 DSCR, all at $220,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $60,782 in appreciation and $2,026/yr in principal paydown projects total cumulative return of $112,730.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 7.0% |
| Monthly Cash Flow | $444 | $200 |
City averages based on Shabbona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,970 |
| Total Monthly Debt Service | $1,438 |
| DSCR Ratio | 1.37x |
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 N/A
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60550, Shabbona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 546 (100%) |
| Owner Occupied HU | 388 (71.1%) |
| Renter Occupied HU | 113 (20.7%) |
| Vacant Housing Units | 45 ( 8.2%) |
| Median Home Value | $266,901 |
| Average Home Value | $302,178 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
273
Multi-Family
51
Businesses
52
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 N/A
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60550, Shabbona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 546 (100%) |
| Owner Occupied HU | 388 (71.1%) |
| Renter Occupied HU | 113 (20.7%) |
| Vacant Housing Units | 45 ( 8.2%) |
| Median Home Value | $266,901 |
| Average Home Value | $302,178 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
273
Multi-Family
51
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices