25 W Jefferson StWinchesterIL62694
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 25 W Jefferson St, Winchester, IL, 62694 in Winchester is listed at $154,900 and delivers $1,294/mo in rent and $219/mo in net monthly cash flow. The 10.02% yield and 1.86 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $42,796 over five years, and $1,427/yr in principal reduction supplements cash return. Total projected cumulative return: $73,353.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.0% |
| Monthly Cash Flow | $219 | $300 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,294 |
| Total Monthly Debt Service | $1,013 |
| 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 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62694, Winchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,669 (100%) |
| Owner Occupied HU | 1,172 (70.2%) |
| Renter Occupied HU | 296 (17.7%) |
| Vacant Housing Units | 201 (12.0%) |
| Median Home Value | $122,588 |
| Average Home Value | $157,395 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
119
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 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62694, Winchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,669 (100%) |
| Owner Occupied HU | 1,172 (70.2%) |
| Renter Occupied HU | 296 (17.7%) |
| Vacant Housing Units | 201 (12.0%) |
| Median Home Value | $122,588 |
| Average Home Value | $157,395 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11679852