302 Fox Run DrColumbiaIL62236
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.94% yield at 302 Fox Run Dr, Columbia, IL, 62236 in Columbia is solid, but the $1,843/mo payment compresses net cash flow to $197/mo at $409,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $113,248 by year five, and $3,775/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.66) without U.S. income documentation. Total projected return: $170,312.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $197 | $1,200 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,053 |
| Total Monthly Debt Service | $2,680 |
| DSCR Ratio | 1.14x |
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 2018
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62236, Columbia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,987 (100%) |
| Owner Occupied HU | 4,739 (79.2%) |
| Renter Occupied HU | 930 (15.5%) |
| Vacant Housing Units | 318 ( 5.3%) |
| Median Home Value | $325,870 |
| Average Home Value | $363,309 |
Housing Distribution
Address Breakdown
Residential
5,708
Single Family
5,560
Multi-Family
148
Businesses
511
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 2018
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62236, Columbia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,987 (100%) |
| Owner Occupied HU | 4,739 (79.2%) |
| Renter Occupied HU | 930 (15.5%) |
| Vacant Housing Units | 318 ( 5.3%) |
| Median Home Value | $325,870 |
| Average Home Value | $363,309 |
Housing Distribution
Address Breakdown
Residential
5,708
Single Family
5,560
Multi-Family
148
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices