302 W 5th StVermontIL61484
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 302 W 5th St, Vermont, IL, 61484 in Vermont is listed at $169,000 and delivers $1,532/mo in rent and $360/mo in net monthly cash flow. The 10.88% yield and 2.02 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $46,692 over five years, and $1,557/yr in principal reduction supplements cash return. Total projected cumulative return: $87,787.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.0% |
| Monthly Cash Flow | $360 | $350 |
City averages based on Vermont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,532 |
| Total Monthly Debt Service | $1,105 |
| DSCR Ratio | 1.39x |
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 1975
0.38 Acres lot
$N/A/sqft
No HOA
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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 1975
0.38 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices