2705 Sutterville RdFultsIL62244
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2705 Sutterville Rd, Fults, IL, 62244 in Fults is priced for appreciation, not yield. Rental yield 5.43%. At $375,000 with a 5.43% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $103,606 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.01) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $85,208.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.0% |
| Monthly Cash Flow | $(905) | $500 |
City averages based on Fults market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,696 |
| Total Monthly Debt Service | $2,452 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1909
16.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62244, Fults, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 505 (100%) |
| Owner Occupied HU | 407 (80.6%) |
| Renter Occupied HU | 64 (12.7%) |
| Vacant Housing Units | 34 ( 6.7%) |
| Median Home Value | $292,925 |
| Average Home Value | $320,762 |
Housing Distribution
Address Breakdown
Residential
425
Single Family
425
Multi-Family
0
Businesses
4
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 1909
16.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62244, Fults, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 505 (100%) |
| Owner Occupied HU | 407 (80.6%) |
| Renter Occupied HU | 64 (12.7%) |
| Vacant Housing Units | 34 ( 6.7%) |
| Median Home Value | $292,925 |
| Average Home Value | $320,762 |
Housing Distribution
Address Breakdown
Residential
425
Single Family
425
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices