25817 W Cook StWaucondaIL60084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 25817 W Cook St, Wauconda, IL, 60084 in Wauconda the bet is firmly on appreciation. Rental yield 4.41%. The 4.41% gross yield on a $898,000 price is below income-first thresholds, but 5%/yr value growth projects $248,101 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.82) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $154,972.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.0% |
| Monthly Cash Flow | $(2,946) | $400 |
City averages based on Wauconda 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 | $3,300 |
| Total Monthly Debt Service | $5,871 |
| DSCR Ratio | 0.56x |
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 1948
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60084, Wauconda, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,841 (100%) |
| Owner Occupied HU | 5,149 (75.3%) |
| Renter Occupied HU | 1,355 (19.8%) |
| Vacant Housing Units | 337 ( 4.9%) |
| Median Home Value | $320,815 |
| Average Home Value | $347,821 |
Housing Distribution
Address Breakdown
Residential
6,689
Single Family
6,118
Multi-Family
571
Businesses
686
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 1948
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60084, Wauconda, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,841 (100%) |
| Owner Occupied HU | 5,149 (75.3%) |
| Renter Occupied HU | 1,355 (19.8%) |
| Vacant Housing Units | 337 ( 4.9%) |
| Median Home Value | $320,815 |
| Average Home Value | $347,821 |
Housing Distribution
Address Breakdown
Residential
6,689
Single Family
6,118
Multi-Family
571
Businesses
686
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices