3049 Renard LnSt CharlesIL60175
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3049 Renard Ln, St Charles, IL, 60175 in St Charles speaks for itself: 10.32% gross on a $419,900 price, generating $3,610/mo in rent and $537/mo in net income after the $1,888/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,445 stacks alongside $116,011 in projected five-year appreciation and $3,867/yr in principal reduction. Projected total cumulative return: $205,480.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $537 | $250 |
City averages based on St Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,610 |
| Total Monthly Debt Service | $2,745 |
| DSCR Ratio | 1.31x |
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 2000
4,121 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
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 2000
4,121 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
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: #12593563