312 School StWilsonvilleIL62093
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 312 School St, Wilsonville, IL, 62093 in Wilsonville earns a 10.81% gross yield at $119,900. Rent of $1,080/mo nets $248/mo after the $539/mo mortgage. The 2.00 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $33,126 and $1,104/yr in equity accumulation project a total cumulative return of $61,884.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 7.2% |
| Monthly Cash Flow | $248 | $350 |
City averages based on Wilsonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $784 |
| DSCR Ratio | 1.38x |
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 1949
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62093, Wilsonville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 162 (70.4%) |
| Renter Occupied HU | 43 (18.7%) |
| Vacant Housing Units | 25 (10.9%) |
| Median Home Value | $172,917 |
| Average Home Value | $188,596 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
7
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 1949
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62093, Wilsonville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 162 (70.4%) |
| Renter Occupied HU | 43 (18.7%) |
| Vacant Housing Units | 25 (10.9%) |
| Median Home Value | $172,917 |
| Average Home Value | $188,596 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26000147