210 Lydia StGraymontIL61743
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow210 Lydia St, Graymont, IL, 61743 in Graymont is a solid income-producing rental, 11.76% gross yield, $1,225/mo rent, $358/mo net cash flow on a $125,000 buy. DSCR 2.18 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $34,535 and $1,151/yr in principal reduction project a total cumulative return of $70,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 7.0% |
| Monthly Cash Flow | $358 | $1,200 |
City averages based on Graymont 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 | $1,225 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 1.50x |
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 1908
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61743, Graymont, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 57 (64.0%) |
| Renter Occupied HU | 24 (27.0%) |
| Vacant Housing Units | 8 ( 9.0%) |
| Median Home Value | $157,955 |
| Average Home Value | $165,000 |
Housing Distribution
Address Breakdown
Residential
48
Single Family
48
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
Single Family
Built in 1908
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61743, Graymont, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 57 (64.0%) |
| Renter Occupied HU | 24 (27.0%) |
| Vacant Housing Units | 8 ( 9.0%) |
| Median Home Value | $157,955 |
| Average Home Value | $165,000 |
Housing Distribution
Address Breakdown
Residential
48
Single Family
48
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices