212 Academy StCameronIL61423
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $149,900, 212 Academy St, Cameron, IL, 61423 in Cameron generates $1,175/mo in rent (9.4% yield) but nets only $135/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.74) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $41,415. Total projected return: $66,035.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 8.0% |
| Monthly Cash Flow | $135 | $300 |
City averages based on Cameron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,175 |
| Total Monthly Debt Service | $980 |
| DSCR Ratio | 1.20x |
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 1910
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61423, Cameron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 262 (100%) |
| Owner Occupied HU | 216 (82.4%) |
| Renter Occupied HU | 32 (12.2%) |
| Vacant Housing Units | 14 ( 5.3%) |
| Median Home Value | $132,692 |
| Average Home Value | $171,366 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
13
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 1910
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61423, Cameron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 262 (100%) |
| Owner Occupied HU | 216 (82.4%) |
| Renter Occupied HU | 32 (12.2%) |
| Vacant Housing Units | 14 ( 5.3%) |
| Median Home Value | $132,692 |
| Average Home Value | $171,366 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices