22 Villa DrHamptonIL61256
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 22 Villa Dr, Hampton, IL, 61256 in Hampton. Priced at $465,000, it generates $4,522/mo in gross rent and $712/mo in net monthly cash flow, a 11.67% yield that comfortably supports the 2.16 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,549. Five-year appreciation: $128,471. Equity from principal paydown: $4,283/yr. Total projected cumulative return: $226,242.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $712 | $200 |
City averages based on Hampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,522 |
| Total Monthly Debt Service | $3,624 |
| DSCR Ratio | 1.25x |
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 2005
4,320 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61256, Hampton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 817 (100%) |
| Owner Occupied HU | 674 (82.5%) |
| Renter Occupied HU | 93 (11.4%) |
| Vacant Housing Units | 50 ( 6.1%) |
| Median Home Value | $228,061 |
| Average Home Value | $237,990 |
Housing Distribution
Address Breakdown
Residential
618
Single Family
605
Multi-Family
13
Businesses
32
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 2005
4,320 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61256, Hampton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 817 (100%) |
| Owner Occupied HU | 674 (82.5%) |
| Renter Occupied HU | 93 (11.4%) |
| Vacant Housing Units | 50 ( 6.1%) |
| Median Home Value | $228,061 |
| Average Home Value | $237,990 |
Housing Distribution
Address Breakdown
Residential
618
Single Family
605
Multi-Family
13
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices