2643 N State Route 178 StUticaIL61373
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Utica rentals match the income profile of 2643 N State Route 178 St, Utica, IL, 61373. Listed at $154,999, gross rent is $2,144/mo and net cash flow is $1,069/mo, a 16.6% yield well above national averages. DSCR 3.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $42,823 by year five with $1,428/yr in annual principal reduction, projecting $128,082 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 5.5% |
| Monthly Cash Flow | $1,069 | $1,500 |
City averages based on Utica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,144 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 2.12x |
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 2005
435.60 sqft 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
Single Family
Built in 2005
435.60 sqft 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