217 E Holiday DrDecaturIL62526
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 217 E Holiday Dr, Decatur, IL, 62526 in Decatur is narrow, $92/mo net on $1,073/mo rent after the $636/mo debt service, but the property operates at break-even-plus, not a loss. At $141,500 with a 9.1% yield, the long-run equity case via 5% appreciation ($39,094 over five years) and $1,303/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $60,073.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.0% |
| Monthly Cash Flow | $92 | $300 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,073 |
| Total Monthly Debt Service | $925 |
| DSCR Ratio | 1.16x |
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 1957
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62526, Decatur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,051 (100%) |
| Owner Occupied HU | 8,507 (53.0%) |
| Renter Occupied HU | 5,728 (35.7%) |
| Vacant Housing Units | 1,816 (11.3%) |
| Median Home Value | $95,635 |
| Average Home Value | $124,329 |
Housing Distribution
Address Breakdown
Residential
14,951
Single Family
12,539
Multi-Family
2,412
Businesses
1,015
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 1957
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62526, Decatur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,051 (100%) |
| Owner Occupied HU | 8,507 (53.0%) |
| Renter Occupied HU | 5,728 (35.7%) |
| Vacant Housing Units | 1,816 (11.3%) |
| Median Home Value | $95,635 |
| Average Home Value | $124,329 |
Housing Distribution
Address Breakdown
Residential
14,951
Single Family
12,539
Multi-Family
2,412
Businesses
1,015
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices