305 N Vermont StCamp PointIL62320
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 305 N Vermont St, Camp Point, IL, 62320 in Camp Point at $159,000 earns $1,204/mo in rent and nets $101/mo after the $715/mo payment, a 9.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $43,929 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,464/yr in principal paydown, total projected return reaches $67,355.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $101 | $1,200 |
City averages based on Camp Point market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,204 |
| Total Monthly Debt Service | $1,040 |
| DSCR Ratio | 1.16x |
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 1910
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62320, Camp Point, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 719 (75.5%) |
| Renter Occupied HU | 141 (14.8%) |
| Vacant Housing Units | 92 ( 9.7%) |
| Median Home Value | $180,754 |
| Average Home Value | $211,930 |
Housing Distribution
Address Breakdown
Residential
843
Single Family
843
Multi-Family
0
Businesses
76
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 1910
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62320, Camp Point, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 719 (75.5%) |
| Renter Occupied HU | 141 (14.8%) |
| Vacant Housing Units | 92 ( 9.7%) |
| Median Home Value | $180,754 |
| Average Home Value | $211,930 |
Housing Distribution
Address Breakdown
Residential
843
Single Family
843
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Hapke • Bower & Associates Inc., REALTORS - Mt. Sterling
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12408888