2636 12th StMolineIL61265
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2636 12th St, Moline, IL, 61265 in Moline. Priced at $299,990, it generates $2,617/mo in gross rent and $536/mo in net monthly cash flow, a 10.47% yield that comfortably supports the 1.94 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,437. Five-year appreciation: $82,882. Equity from principal paydown: $2,763/yr. Total projected cumulative return: $149,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $536 | $350 |
City averages based on Moline market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,617 |
| Total Monthly Debt Service | $1,961 |
| DSCR Ratio | 1.33x |
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.
Townhouse
Built in 1938
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61265, Moline, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,040 (100%) |
| Owner Occupied HU | 12,470 (59.3%) |
| Renter Occupied HU | 6,581 (31.3%) |
| Vacant Housing Units | 1,989 ( 9.5%) |
| Median Home Value | $160,589 |
| Average Home Value | $194,974 |
Housing Distribution
Address Breakdown
Residential
20,307
Single Family
17,420
Multi-Family
2,887
Businesses
1,655
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
Townhouse
Built in 1938
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61265, Moline, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,040 (100%) |
| Owner Occupied HU | 12,470 (59.3%) |
| Renter Occupied HU | 6,581 (31.3%) |
| Vacant Housing Units | 1,989 ( 9.5%) |
| Median Home Value | $160,589 |
| Average Home Value | $194,974 |
Housing Distribution
Address Breakdown
Residential
20,307
Single Family
17,420
Multi-Family
2,887
Businesses
1,655
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices