28560 E 850 North RdEllsworthIL61737
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderRental yield 7.39%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $58,710, and $1,957/yr in principal equity projects total return of $70,667.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $(165) | $150 |
City averages based on Ellsworth market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,309 |
| Total Monthly Debt Service | $1,389 |
| DSCR Ratio | 0.94x |
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 1920
6.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61737, Ellsworth, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 185 (100%) |
| Owner Occupied HU | 145 (78.4%) |
| Renter Occupied HU | 29 (15.7%) |
| Vacant Housing Units | 11 ( 5.9%) |
| Median Home Value | $225,000 |
| Average Home Value | $269,672 |
Housing Distribution
Address Breakdown
Residential
140
Single Family
140
Multi-Family
0
Businesses
10
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 1920
6.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61737, Ellsworth, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 185 (100%) |
| Owner Occupied HU | 145 (78.4%) |
| Renter Occupied HU | 29 (15.7%) |
| Vacant Housing Units | 11 ( 5.9%) |
| Median Home Value | $225,000 |
| Average Home Value | $269,672 |
Housing Distribution
Address Breakdown
Residential
140
Single Family
140
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices