2540 W Macon St, Decatur, IL, 62522 | $500/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Decatur at 2540 W Macon St, Decatur, IL, 62522 priced at $178,000 converts $1,889/mo rent into $500/mo cash flow after a $871/mo obligation. Total monthly income equals $1,889/mo, and annual cash flow totals $6,006/yr on $59,007 invested. Return on cash invested prints 30.09% in year one, and rental yield reads 12.73% against a $178,000 entry. Equity gained on principal adds $1,149/yr, while 5% annual appreciation compiles into $49,178 by year five. Five-year ROI reaches 159.58% and total cumulative return in cash sums $94,165. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $1,889/mo property income covering a $871/mo payment, not borrower’s personal income.

Single Family

Built in 1959

0.27 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 62522, Decatur, IL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	7,046 (100%)
Owner Occupied HU	3,679 (52.2%)
Renter Occupied HU	2,241 (31.8%)
Vacant Housing Units	1,126 (16.0%)
Median Home Value	$106,976
Average Home Value	$138,303