2931 E 10th RdUticaIL61373
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2931 E 10th Rd, Utica, IL, 61373 in Utica at $289,500, 5.37% gross yield, is a market-growth asset. Rental yield 5.37%. The $1,295/mo rent partially funds the $1,302/mo debt service; the core return is the 5%/yr price growth projected to add $79,984 over five years. Ziffy Mortgage's DSCR mortgage (0.99) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $62,052.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 5.5% |
| Monthly Cash Flow | $(760) | $1,500 |
City averages based on Utica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,295 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 0.67x |
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 1930
2.75 Acres 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 1930
2.75 Acres 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
Listed by: Wendy Fulmer • Coldwell Banker Today's
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202505597
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.