207 W John StChampaignIL61820
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 207 W John St, Champaign, IL, 61820 in Champaign achieves 1.54, rent of $1,971/mo covers the $1,282/mo payment 1.5x over at $285,000. Rental yield 8.3%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $78,740 over five years, with $2,625/yr in principal reduction bringing total projected return to $108,635.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $(6) | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,971 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.06x |
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 1913
5,978 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
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 1913
5,978 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices