249 W McGrath StWilliamsvilleIL62693
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 249 W McGrath St, Williamsville, IL, 62693 in Williamsville. Priced at $239,900, it generates $3,746/mo in gross rent and $2,073/mo in net monthly cash flow, a 18.74% yield that comfortably supports the 3.47 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $24,879. Five-year appreciation: $66,280. Equity from principal paydown: $2,210/yr. Total projected cumulative return: $225,213.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.7% | 9.2% |
| Monthly Cash Flow | $2,073 | $1,200 |
City averages based on Williamsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,746 |
| Total Monthly Debt Service | $1,578 |
| DSCR Ratio | 2.37x |
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 1993
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62693, Williamsville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 769 (100%) |
| Owner Occupied HU | 602 (78.3%) |
| Renter Occupied HU | 101 (13.1%) |
| Vacant Housing Units | 66 ( 8.6%) |
| Median Home Value | $255,372 |
| Average Home Value | $263,526 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
519
Multi-Family
25
Businesses
34
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 1993
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62693, Williamsville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 769 (100%) |
| Owner Occupied HU | 602 (78.3%) |
| Renter Occupied HU | 101 (13.1%) |
| Vacant Housing Units | 66 ( 8.6%) |
| Median Home Value | $255,372 |
| Average Home Value | $263,526 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
519
Multi-Family
25
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices