2320 County Highway 13XeniaIL62899
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThere's a case for owning boring assets in strong markets. Rental yield 8.06%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $74,596 and $2,487/yr in equity build project total return of $97,313.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 9.5% |
| Monthly Cash Flow | $(58) | $450 |
City averages based on Xenia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,780 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 1.01x |
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 1978
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62899, Xenia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 588 (100%) |
| Owner Occupied HU | 488 (83.0%) |
| Renter Occupied HU | 47 ( 8.0%) |
| Vacant Housing Units | 53 ( 9.0%) |
| Median Home Value | $225,806 |
| Average Home Value | $351,701 |
Housing Distribution
Address Breakdown
Residential
677
Single Family
677
Multi-Family
0
Businesses
25
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 1978
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62899, Xenia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 588 (100%) |
| Owner Occupied HU | 488 (83.0%) |
| Renter Occupied HU | 47 ( 8.0%) |
| Vacant Housing Units | 53 ( 9.0%) |
| Median Home Value | $225,806 |
| Average Home Value | $351,701 |
Housing Distribution
Address Breakdown
Residential
677
Single Family
677
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices