25 75thLanarkIL61046
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play25 75th, Lanark, IL, 61046 in Lanark is priced for appreciation, not yield. Rental yield 1.91%. At $1,175,000 with a 1.91% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $324,631 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.35) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $31,611.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.0% |
| Monthly Cash Flow | $(6,507) | $300 |
City averages based on Lanark market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,867 |
| Total Monthly Debt Service | $7,906 |
| DSCR Ratio | 0.24x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
1.20 Acres lot
$N/A/sqft
$2,685 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61046, Lanark, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,063 (100%) |
| Owner Occupied HU | 1,036 (50.2%) |
| Renter Occupied HU | 234 (11.3%) |
| Vacant Housing Units | 793 (38.4%) |
| Median Home Value | $169,063 |
| Average Home Value | $234,614 |
Housing Distribution
Address Breakdown
Residential
1,478
Single Family
1,462
Multi-Family
16
Businesses
83
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 2025
1.20 Acres lot
$N/A/sqft
$2,685 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61046, Lanark, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,063 (100%) |
| Owner Occupied HU | 1,036 (50.2%) |
| Renter Occupied HU | 234 (11.3%) |
| Vacant Housing Units | 793 (38.4%) |
| Median Home Value | $169,063 |
| Average Home Value | $234,614 |
Housing Distribution
Address Breakdown
Residential
1,478
Single Family
1,462
Multi-Family
16
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JULIE WENZEL • Re/Max Town Lake & Country
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202502647
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.