25303 Spring Valley RdShannonIL61078
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 25303 Spring Valley Rd, Shannon, IL, 61078 in Shannon is capital appreciation. Rental yield 4.46%. The 4.46% gross yield at $447,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $123,498 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.83) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $78,407.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 8.0% |
| Monthly Cash Flow | $(1,438) | $500 |
City averages based on Shannon 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 | $1,662 |
| Total Monthly Debt Service | $2,923 |
| DSCR Ratio | 0.57x |
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 1898
5.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61078, Shannon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 641 (100%) |
| Owner Occupied HU | 490 (76.4%) |
| Renter Occupied HU | 81 (12.6%) |
| Vacant Housing Units | 70 (10.9%) |
| Median Home Value | $180,556 |
| Average Home Value | $242,878 |
Housing Distribution
Address Breakdown
Residential
528
Single Family
528
Multi-Family
0
Businesses
43
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 1898
5.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61078, Shannon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 641 (100%) |
| Owner Occupied HU | 490 (76.4%) |
| Renter Occupied HU | 81 (12.6%) |
| Vacant Housing Units | 70 (10.9%) |
| Median Home Value | $180,556 |
| Average Home Value | $242,878 |
Housing Distribution
Address Breakdown
Residential
528
Single Family
528
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices