207 E Field StSecorIL61771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 207 E Field St, Secor, IL, 61771 in Secor is narrow, $109/mo net on $1,149/mo rent after the $674/mo debt service, but the property operates at break-even-plus, not a loss. At $150,000 with a 9.19% yield, the long-run equity case via 5% appreciation ($41,442 over five years) and $1,382/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $64,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $109 | $250 |
City averages based on Secor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,149 |
| Total Monthly Debt Service | $981 |
| 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 1921
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61771, Secor, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 388 (100%) |
| Owner Occupied HU | 314 (80.9%) |
| Renter Occupied HU | 46 (11.9%) |
| Vacant Housing Units | 28 ( 7.2%) |
| Median Home Value | $250,000 |
| Average Home Value | $316,218 |
Housing Distribution
Address Breakdown
Residential
272
Single Family
272
Multi-Family
0
Businesses
10
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 1921
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61771, Secor, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 388 (100%) |
| Owner Occupied HU | 314 (80.9%) |
| Renter Occupied HU | 46 (11.9%) |
| Vacant Housing Units | 28 ( 7.2%) |
| Median Home Value | $250,000 |
| Average Home Value | $316,218 |
Housing Distribution
Address Breakdown
Residential
272
Single Family
272
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices