220 E Adams StPetersburgIL62675
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 220 E Adams St, Petersburg, IL, 62675 in Petersburg is narrow, $3/mo net on $828/mo rent after the $481/mo debt service, but the property operates at break-even-plus, not a loss. At $107,000 with a 9.29% yield, the long-run equity case via 5% appreciation ($29,562 over five years) and $985/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $41,496.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $3 | $500 |
City averages based on Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $828 |
| Total Monthly Debt Service | $783 |
| DSCR Ratio | 1.06x |
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 1956
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62675, Petersburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,857 (100%) |
| Owner Occupied HU | 2,017 (70.6%) |
| Renter Occupied HU | 529 (18.5%) |
| Vacant Housing Units | 311 (10.9%) |
| Median Home Value | $201,480 |
| Average Home Value | $254,399 |
Housing Distribution
Address Breakdown
Residential
2,692
Single Family
2,597
Multi-Family
95
Businesses
197
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 1956
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62675, Petersburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,857 (100%) |
| Owner Occupied HU | 2,017 (70.6%) |
| Renter Occupied HU | 529 (18.5%) |
| Vacant Housing Units | 311 (10.9%) |
| Median Home Value | $201,480 |
| Average Home Value | $254,399 |
Housing Distribution
Address Breakdown
Residential
2,692
Single Family
2,597
Multi-Family
95
Businesses
197
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jared Williams • Archer Realty
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #CA1037160
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.