21610 Oriole LnCarlyleIL62231
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 21610 Oriole Ln, Carlyle, IL, 62231 in Carlyle. Rental yield 7.01%. The 1.30 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $44,205 and $1,474/yr in principal reduction project total return of $50,020.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 8.0% |
| Monthly Cash Flow | $(175) | $200 |
City averages based on Carlyle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $935 |
| Total Monthly Debt Service | $1,046 |
| DSCR Ratio | 0.89x |
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.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices