206 Pine StUrsaIL62376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.18% yield at 206 Pine St, Ursa, IL, 62376 in Ursa is solid, but the $719/mo payment compresses net cash flow to $114/mo at $159,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $44,177 by year five, and $1,473/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.70) without U.S. income documentation. Total projected return: $68,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $114 | $1,200 |
City averages based on Ursa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,223 |
| Total Monthly Debt Service | $1,045 |
| DSCR Ratio | 1.17x |
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
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62376, Ursa, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 461 (76.2%) |
| Renter Occupied HU | 96 (15.9%) |
| Vacant Housing Units | 48 ( 7.9%) |
| Median Home Value | $191,810 |
| Average Home Value | $251,139 |
Housing Distribution
Address Breakdown
Residential
406
Single Family
406
Multi-Family
0
Businesses
19
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
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62376, Ursa, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 461 (76.2%) |
| Renter Occupied HU | 96 (15.9%) |
| Vacant Housing Units | 48 ( 7.9%) |
| Median Home Value | $191,810 |
| Average Home Value | $251,139 |
Housing Distribution
Address Breakdown
Residential
406
Single Family
406
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices