26044 State Highway 3DowIL62022
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 26044 State Highway 3, Dow, IL, 62022 in Dow. Priced at $325,000, it generates $2,888/mo in gross rent and $634/mo in net monthly cash flow, a 10.66% yield that comfortably supports the 1.98 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,610. Five-year appreciation: $89,792. Equity from principal paydown: $2,993/yr. Total projected cumulative return: $165,126.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 7.2% |
| Monthly Cash Flow | $634 | $150 |
City averages based on Dow 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 | $2,888 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 1.36x |
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 2007
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62022, Dow, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 507 (100%) |
| Owner Occupied HU | 380 (75.0%) |
| Renter Occupied HU | 78 (15.4%) |
| Vacant Housing Units | 49 ( 9.7%) |
| Median Home Value | $235,593 |
| Average Home Value | $295,151 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
11
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 2007
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62022, Dow, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 507 (100%) |
| Owner Occupied HU | 380 (75.0%) |
| Renter Occupied HU | 78 (15.4%) |
| Vacant Housing Units | 49 ( 9.7%) |
| Median Home Value | $235,593 |
| Average Home Value | $295,151 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices