209 Hickory DrBethaltoIL62010
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 209 Hickory Dr, Bethalto, IL, 62010 in Bethalto worth study. Rental yield 4.86%. The 4.86% gross yield is below cash-flow benchmarks at $370,000, but 5% annual appreciation, adding $102,224 over five years, frames this as a capital growth position. Rent of $1,500/mo partially offsets the $1,664/mo payment. Ziffy Mortgage finances appreciation-play properties (0.90 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $72,874.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(1,066) | $250 |
City averages based on Bethalto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $2,419 |
| DSCR Ratio | 0.62x |
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 1994
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62010, Bethalto, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,013 (100%) |
| Owner Occupied HU | 3,493 (69.7%) |
| Renter Occupied HU | 1,136 (22.7%) |
| Vacant Housing Units | 384 ( 7.7%) |
| Median Home Value | $230,733 |
| Average Home Value | $248,189 |
Housing Distribution
Address Breakdown
Residential
4,998
Single Family
4,786
Multi-Family
212
Businesses
230
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 1994
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62010, Bethalto, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,013 (100%) |
| Owner Occupied HU | 3,493 (69.7%) |
| Renter Occupied HU | 1,136 (22.7%) |
| Vacant Housing Units | 384 ( 7.7%) |
| Median Home Value | $230,733 |
| Average Home Value | $248,189 |
Housing Distribution
Address Breakdown
Residential
4,998
Single Family
4,786
Multi-Family
212
Businesses
230
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices