3112 Prial AveRockfordIL61101
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 3112 Prial Ave, Rockford, IL, 61101 in Rockford is listed at $105,000 and delivers $1,056/mo in rent and $328/mo in net monthly cash flow. The 12.07% yield and 2.24 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 $29,010 over five years, and $967/yr in principal reduction supplements cash return. Total projected cumulative return: $61,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 9.2% |
| Monthly Cash Flow | $328 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,056 |
| Total Monthly Debt Service | $687 |
| DSCR Ratio | 1.54x |
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.
Multi Family
Built in 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61101, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,216 (100%) |
| Owner Occupied HU | 4,098 (44.5%) |
| Renter Occupied HU | 3,962 (43.0%) |
| Vacant Housing Units | 1,156 (12.5%) |
| Median Home Value | $139,259 |
| Average Home Value | $174,350 |
Housing Distribution
Address Breakdown
Residential
8,359
Single Family
7,351
Multi-Family
1,008
Businesses
575
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
Multi Family
Built in 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61101, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,216 (100%) |
| Owner Occupied HU | 4,098 (44.5%) |
| Renter Occupied HU | 3,962 (43.0%) |
| Vacant Housing Units | 1,156 (12.5%) |
| Median Home Value | $139,259 |
| Average Home Value | $174,350 |
Housing Distribution
Address Breakdown
Residential
8,359
Single Family
7,351
Multi-Family
1,008
Businesses
575
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices