312 Trading Post CtRocktonIL61072
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.75% yield at 312 Trading Post Ct, Rockton, IL, 61072 in Rockton is solid, but the $1,166/mo payment compresses net cash flow to $27/mo at $259,400. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $71,667 by year five, and $2,389/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.81) without U.S. income documentation. Total projected return: $102,208.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $27 | $300 |
City averages based on Rockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,108 |
| Total Monthly Debt Service | $1,978 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 1990
N/A lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61072, Rockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,483 (100%) |
| Owner Occupied HU | 3,619 (80.7%) |
| Renter Occupied HU | 702 (15.7%) |
| Vacant Housing Units | 162 ( 3.6%) |
| Median Home Value | $223,654 |
| Average Home Value | $242,539 |
Housing Distribution
Address Breakdown
Residential
4,441
Single Family
4,339
Multi-Family
102
Businesses
186
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
Condo
Built in 1990
N/A lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61072, Rockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,483 (100%) |
| Owner Occupied HU | 3,619 (80.7%) |
| Renter Occupied HU | 702 (15.7%) |
| Vacant Housing Units | 162 ( 3.6%) |
| Median Home Value | $223,654 |
| Average Home Value | $242,539 |
Housing Distribution
Address Breakdown
Residential
4,441
Single Family
4,339
Multi-Family
102
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices