2643 N State Route 178 #S1UticaIL61373
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 2643 N State Route 178 #S1, Utica, IL, 61373 in Utica offers it: the 1.73 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 9.36%. Long-term, 5% appreciation is forecast to add $48,349, and $1,612/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $76,653.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.5% |
| Monthly Cash Flow | $(257) | $1,500 |
City averages based on Utica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,365 |
| Total Monthly Debt Service | $1,144 |
| DSCR Ratio | 1.19x |
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 2009
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 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
87
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 2009
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 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices