222 E Brown StEarlvilleIL60518
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 222 E Brown St, Earlville, IL, 60518 in Earlville fits: $244,900, 3.72% gross yield, and a projected 5% annual appreciation rate adding $67,661 in value within five years. Rental yield 3.72%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.69) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,256/yr in principal paydown and $67,661 in appreciation project a total return of $33,139.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 8.0% |
| Monthly Cash Flow | $(940) | $300 |
City averages based on Earlville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $758 |
| Total Monthly Debt Service | $1,601 |
| DSCR Ratio | 0.47x |
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 1945
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
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 1945
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices