22109 Niantic RdIlliopolisIL62539
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 22109 Niantic Rd, Illiopolis, IL, 62539 in Illiopolis. Priced at $269,000, it generates $2,537/mo in gross rent and $671/mo in net monthly cash flow, a 11.32% yield that comfortably supports the 2.10 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,052. Five-year appreciation: $74,320. Equity from principal paydown: $2,478/yr. Total projected cumulative return: $146,053.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.3% |
| Monthly Cash Flow | $671 | $150 |
City averages based on Illiopolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,537 |
| Total Monthly Debt Service | $1,759 |
| DSCR Ratio | 1.44x |
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 N/A
3.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62539, Illiopolis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 539 (100%) |
| Owner Occupied HU | 395 (73.3%) |
| Renter Occupied HU | 86 (16.0%) |
| Vacant Housing Units | 58 (10.8%) |
| Median Home Value | $145,500 |
| Average Home Value | $180,051 |
Housing Distribution
Address Breakdown
Residential
415
Single Family
415
Multi-Family
0
Businesses
31
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
3.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62539, Illiopolis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 539 (100%) |
| Owner Occupied HU | 395 (73.3%) |
| Renter Occupied HU | 86 (16.0%) |
| Vacant Housing Units | 58 (10.8%) |
| Median Home Value | $145,500 |
| Average Home Value | $180,051 |
Housing Distribution
Address Breakdown
Residential
415
Single Family
415
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A