2103 Timber Ridge DrPort ByronIL61275
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2103 Timber Ridge Dr, Port Byron, IL, 61275 in Port Byron earns its strong cash-flow label: 18.36% yield, $6,730/mo rent, $3,678/mo net income, DSCR 3.40. The $439,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $121,536 by year five. Combined with $4,052/yr in principal paydown, total projected return reaches $404,972.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.4% | 6.0% |
| Monthly Cash Flow | $3,678 | $1,500 |
City averages based on Port Byron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,730 |
| Total Monthly Debt Service | $2,876 |
| DSCR Ratio | 2.34x |
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 2006
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
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 2006
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices