228 White Oak StHampshireIL60140
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow228 White Oak St, Hampshire, IL, 60140 in Hampshire is a top-tier cash-flow asset. At $507,700 it produces $4,528/mo in rent and $1,006/mo in net monthly income, a 10.7% gross rental yield. The DSCR of 1.98 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,073. Five-year appreciation adds $140,268, driving a total cumulative return of $258,947.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.5% |
| Monthly Cash Flow | $1,006 | $400 |
City averages based on Hampshire market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,528 |
| Total Monthly Debt Service | $3,319 |
| DSCR Ratio | 1.36x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60140, Hampshire, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,359 (100%) |
| Owner Occupied HU | 7,944 (84.9%) |
| Renter Occupied HU | 950 (10.2%) |
| Vacant Housing Units | 465 ( 5.0%) |
| Median Home Value | $362,049 |
| Average Home Value | $378,568 |
Housing Distribution
Address Breakdown
Residential
8,640
Single Family
8,637
Multi-Family
3
Businesses
327
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60140, Hampshire, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,359 (100%) |
| Owner Occupied HU | 7,944 (84.9%) |
| Renter Occupied HU | 950 (10.2%) |
| Vacant Housing Units | 465 ( 5.0%) |
| Median Home Value | $362,049 |
| Average Home Value | $378,568 |
Housing Distribution
Address Breakdown
Residential
8,640
Single Family
8,637
Multi-Family
3
Businesses
327
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices