211 Oak StDamiansvilleIL62215
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow211 Oak St, Damiansville, IL, 62215 in Damiansville is a top-tier cash-flow asset. At $449,000 it produces $4,387/mo in rent and $1,273/mo in net monthly income, a 11.73% gross rental yield. The DSCR of 2.17 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $15,274. Five-year appreciation adds $124,050, driving a total cumulative return of $253,640.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 5.0% |
| Monthly Cash Flow | $1,273 | $250 |
City averages based on Damiansville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,387 |
| Total Monthly Debt Service | $2,936 |
| DSCR Ratio | 1.49x |
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 1998
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62215, Albers, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 632 (100%) |
| Owner Occupied HU | 523 (82.8%) |
| Renter Occupied HU | 93 (14.7%) |
| Vacant Housing Units | 16 ( 2.5%) |
| Median Home Value | $227,557 |
| Average Home Value | $259,799 |
Housing Distribution
Address Breakdown
Residential
289
Single Family
289
Multi-Family
0
Businesses
33
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 1998
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62215, Albers, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 632 (100%) |
| Owner Occupied HU | 523 (82.8%) |
| Renter Occupied HU | 93 (14.7%) |
| Vacant Housing Units | 16 ( 2.5%) |
| Median Home Value | $227,557 |
| Average Home Value | $259,799 |
Housing Distribution
Address Breakdown
Residential
289
Single Family
289
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices