308 S 12th AveSt CharlesIL60174
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 308 S 12th Ave, St Charles, IL, 60174 in St Charles hard to pass up. The 10.6% gross yield on a $375,000 purchase results in $3,313/mo in rent and $712/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.97). Annual cash flow of $8,546, five-year appreciation of $103,606, and $3,454/yr in equity build-up combine for a projected total cumulative return of $189,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $712 | $250 |
City averages based on St Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,313 |
| Total Monthly Debt Service | $2,452 |
| DSCR Ratio | 1.35x |
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 1955
6,621 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
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 1955
6,621 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Thornton • Keller Williams Premiere Properties
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12466374