2912 White Thorn CirNapervilleIL60564
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2912 White Thorn Cir, Naperville, IL, 60564 in Naperville. Priced at $285,000, it generates $2,736/mo in gross rent and $509/mo in net monthly cash flow, a 11.52% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,110. Five-year appreciation: $78,740. Equity from principal paydown: $2,625/yr. Total projected cumulative return: $157,871.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.1% |
| Monthly Cash Flow | $509 | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,736 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.47x |
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 2001
1,138 sqft lot
$N/A/sqft
No HOA
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 2001
1,138 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12577274