22014 N Route 40EdelsteinIL61526
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.97% gross rental yield, 22014 N Route 40, Edelstein, IL, 61526 in Edelstein is priced for capital growth, not immediate cash flow. The $349,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $96,671 by year five, with $3,223/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.92) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $70,990.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 7.0% |
| Monthly Cash Flow | $(977) | $250 |
City averages based on Edelstein market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,450 |
| Total Monthly Debt Service | $2,288 |
| DSCR Ratio | 0.63x |
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 1895
1.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61526, Edelstein, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 376 (100%) |
| Owner Occupied HU | 308 (81.9%) |
| Renter Occupied HU | 29 ( 7.7%) |
| Vacant Housing Units | 39 (10.4%) |
| Median Home Value | $252,817 |
| Average Home Value | $276,291 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
11
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 1895
1.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61526, Edelstein, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 376 (100%) |
| Owner Occupied HU | 308 (81.9%) |
| Renter Occupied HU | 29 ( 7.7%) |
| Vacant Housing Units | 39 (10.4%) |
| Median Home Value | $252,817 |
| Average Home Value | $276,291 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam J Merrick • Adam Merrick Real Estate
Mls Name: RMLS Alliance as distributed by MLS GRID
Mls Provider:
Mls ID: #PA1265442
Disclaimer: Based on information submitted to the MLS GRID as of 2026-04-08 17:42:48 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#564)