2271 N 3806th RdSerenaIL60549
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2271 N 3806th Rd, Serena, IL, 60549 in Serena at $142,500 earns $1,082/mo in rent and nets $94/mo after the $641/mo payment, a 9.11% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $39,370 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,312/yr in principal paydown, total projected return reaches $60,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.0% |
| Monthly Cash Flow | $94 | $1,200 |
City averages based on Serena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,082 |
| Total Monthly Debt Service | $932 |
| DSCR Ratio | 1.16x |
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 1900
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60549, Serena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 235 (100%) |
| Owner Occupied HU | 176 (74.9%) |
| Renter Occupied HU | 30 (12.8%) |
| Vacant Housing Units | 29 (12.3%) |
| Median Home Value | $284,783 |
| Average Home Value | $291,832 |
Housing Distribution
Address Breakdown
Residential
216
Single Family
216
Multi-Family
0
Businesses
18
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 1900
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60549, Serena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 235 (100%) |
| Owner Occupied HU | 176 (74.9%) |
| Renter Occupied HU | 30 (12.8%) |
| Vacant Housing Units | 29 (12.3%) |
| Median Home Value | $284,783 |
| Average Home Value | $291,832 |
Housing Distribution
Address Breakdown
Residential
216
Single Family
216
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices