21482 State Highway 1West YorkIL62478
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play21482 State Highway 1, West York, IL, 62478 in West York is priced for appreciation, not yield. Rental yield 3.1%. At $665,000 with a 3.1% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $183,727 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.58) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $68,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(2,893) | $300 |
City averages based on West York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,720 |
| Total Monthly Debt Service | $4,348 |
| DSCR Ratio | 0.40x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Home Type Unknown
Built in 1998
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62478, West York, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 165 (100%) |
| Owner Occupied HU | 128 (77.6%) |
| Renter Occupied HU | 7 ( 4.2%) |
| Vacant Housing Units | 30 (18.2%) |
| Median Home Value | $272,500 |
| Average Home Value | $358,750 |
Housing Distribution
Address Breakdown
Residential
121
Single Family
121
Multi-Family
0
Businesses
15
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
Home Type Unknown
Built in 1998
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62478, West York, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 165 (100%) |
| Owner Occupied HU | 128 (77.6%) |
| Renter Occupied HU | 7 ( 4.2%) |
| Vacant Housing Units | 30 (18.2%) |
| Median Home Value | $272,500 |
| Average Home Value | $358,750 |
Housing Distribution
Address Breakdown
Residential
121
Single Family
121
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices