2643 N State Route 178 Hwy #4-10, Utica, IL, 61373 | 8.23% Rental Yield

For Sale

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Ziffy Mortgage

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

Total monthly income runs $1,571/mo, and a $1,121/mo payment. Purchase price stands at $229,000, and rental yield measures 8.23% with $1,571/mo rent. Return on cash invested shows 19.63% in year one, and 5% annual appreciation builds toward $63,268 over five years. Five-year ROI reaches 102.38% and total cumulative return in cash records $77,717. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $1,571/mo property income covering a $1,121/mo payment rather than investor’s personal income.

Townhouse

Built in 2025

N/A lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 61373, Utica, IL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	859 (100%)
Owner Occupied HU	645 (75.1%)
Renter Occupied HU	130 (15.1%)
Vacant Housing Units	84 ( 9.8%)
Median Home Value	$246,613
Average Home Value	$313,609