25 Whiting DrDivernonIL62530
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 25 Whiting Dr, Divernon, IL, 62530 in Divernon at $245,000. Rental yield 7.17%. The 7.17% yield and 1.33 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $67,689 by year five, and $2,256/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $78,472.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $(236) | $200 |
City averages based on Divernon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,463 |
| Total Monthly Debt Service | $1,602 |
| DSCR Ratio | 0.91x |
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 1994
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62530, Divernon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 665 (100%) |
| Owner Occupied HU | 482 (72.5%) |
| Renter Occupied HU | 138 (20.8%) |
| Vacant Housing Units | 45 ( 6.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $195,607 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
35
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 1994
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62530, Divernon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 665 (100%) |
| Owner Occupied HU | 482 (72.5%) |
| Renter Occupied HU | 138 (20.8%) |
| Vacant Housing Units | 45 ( 6.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $195,607 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca L Hendricks • The Real Estate Group, Inc.
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #CA1036690
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.