311 E 10th StPecatonicaIL61063
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 311 E 10th St, Pecatonica, IL, 61063 in Pecatonica. Priced at $172,000, it generates $1,876/mo in gross rent and $683/mo in net monthly cash flow, a 13.09% yield that comfortably supports the 2.43 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,191. Five-year appreciation: $47,520. Equity from principal paydown: $1,584/yr. Total projected cumulative return: $109,772.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.1% | 6.0% |
| Monthly Cash Flow | $683 | $300 |
City averages based on Pecatonica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,876 |
| Total Monthly Debt Service | $1,125 |
| DSCR Ratio | 1.67x |
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 1966
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
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 1966
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Catherine Fiebig • Keller Williams Realty Signature
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202505239
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.