209 Scott StKingston MinesIL61539
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 209 Scott St, Kingston Mines, IL, 61539 in Kingston Mines is narrow, $193/mo net on $1,094/mo rent after the $584/mo debt service, but the property operates at break-even-plus, not a loss. At $129,900 with a 10.11% yield, the long-run equity case via 5% appreciation ($35,889 over five years) and $1,196/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.87 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $62,108.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 9.0% |
| Monthly Cash Flow | $193 | $1,200 |
City averages based on Kingston Mines market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,094 |
| Total Monthly Debt Service | $849 |
| DSCR Ratio | 1.29x |
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.
Manufactured
Built in 1996
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61539, Kingston Mines, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 92 (100%) |
| Owner Occupied HU | 71 (77.2%) |
| Renter Occupied HU | 14 (15.2%) |
| Vacant Housing Units | 7 ( 7.6%) |
| Median Home Value | $185,938 |
| Average Home Value | $194,789 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
8
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
Manufactured
Built in 1996
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61539, Kingston Mines, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 92 (100%) |
| Owner Occupied HU | 71 (77.2%) |
| Renter Occupied HU | 14 (15.2%) |
| Vacant Housing Units | 7 ( 7.6%) |
| Median Home Value | $185,938 |
| Average Home Value | $194,789 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RMLS Alliance as distributed by MLS GRID
Mls Provider:
Mls ID: #PA1269347