2390 Us Highway 150RioIL61472
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2390 Us Highway 150, Rio, IL, 61472 in Rio earns a respectable 8.65% gross yield at $230,000, but after the $1,034/mo mortgage the net cash flow is $63/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.60) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $63,545 over five years, making equity the dominant return driver. Total projected return: $92,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $63 | $300 |
City averages based on Rio market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,658 |
| Total Monthly Debt Service | $1,504 |
| DSCR Ratio | 1.10x |
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 1966
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61472, Rio, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 268 (100%) |
| Owner Occupied HU | 222 (82.8%) |
| Renter Occupied HU | 24 ( 9.0%) |
| Vacant Housing Units | 22 ( 8.2%) |
| Median Home Value | $226,786 |
| Average Home Value | $234,471 |
Housing Distribution
Address Breakdown
Residential
226
Single Family
226
Multi-Family
0
Businesses
13
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 1966
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61472, Rio, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 268 (100%) |
| Owner Occupied HU | 222 (82.8%) |
| Renter Occupied HU | 24 ( 9.0%) |
| Vacant Housing Units | 22 ( 8.2%) |
| Median Home Value | $226,786 |
| Average Home Value | $234,471 |
Housing Distribution
Address Breakdown
Residential
226
Single Family
226
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices