206 Autumnwood LnDavis JunctionIL61020
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 206 Autumnwood Ln, Davis Junction, IL, 61020 in Davis Junction the bet is firmly on appreciation. Rental yield 5.19%. The 5.19% gross yield on a $284,120 price is below income-first thresholds, but 5%/yr value growth projects $78,497 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.96) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $60,970.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(741) | $250 |
City averages based on Davis Junction market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,230 |
| Total Monthly Debt Service | $1,858 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61020, Davis Junction, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 976 (85.4%) |
| Renter Occupied HU | 81 ( 7.1%) |
| Vacant Housing Units | 86 ( 7.5%) |
| Median Home Value | $207,593 |
| Average Home Value | $225,679 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
43
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61020, Davis Junction, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 976 (85.4%) |
| Renter Occupied HU | 81 ( 7.1%) |
| Vacant Housing Units | 86 ( 7.5%) |
| Median Home Value | $207,593 |
| Average Home Value | $225,679 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Contarino • Dickerson & Nieman Realtors - Rockford
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12171226
Disclaimer: Based on information submitted to the MLS GRID as of 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/info/mls-disclaimers/#mls_17)