23872 E 1260th StGeneseoIL61254
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow23872 E 1260th St, Geneseo, IL, 61254 in Geneseo is a solid income-producing rental, 10.05% gross yield, $1,968/mo rent, $339/mo net cash flow on a $234,900 buy. DSCR 1.86 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $64,899 and $2,163/yr in principal reduction project a total cumulative return of $111,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $339 | $1,500 |
City averages based on Geneseo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,968 |
| Total Monthly Debt Service | $1,536 |
| DSCR Ratio | 1.28x |
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 1977
2.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
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 1977
2.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices