232 10th StPecatonicaIL61063
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow232 10th St, Pecatonica, IL, 61063 in Pecatonica earns its strong cash-flow label: 11.55% yield, $1,838/mo rent, $514/mo net income, DSCR 2.14. The $190,999 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $52,770 by year five. Combined with $1,759/yr in principal paydown, total projected return reaches $106,111.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $514 | $300 |
City averages based on Pecatonica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,838 |
| Total Monthly Debt Service | $1,249 |
| DSCR Ratio | 1.47x |
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 1968
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
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 1968
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayla Heslop • Dickerson & Nieman
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls ID: #202506016