314 Trotter DrHamelIL62046
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 314 Trotter Dr, Hamel, IL, 62046 in Hamel. Priced at $279,900, it generates $3,156/mo in gross rent and $1,215/mo in net monthly cash flow, a 13.53% yield that comfortably supports the 2.51 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,575. Five-year appreciation: $77,331. Equity from principal paydown: $2,578/yr. Total projected cumulative return: $185,200.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 9.0% |
| Monthly Cash Flow | $1,215 | $450 |
City averages based on Hamel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,156 |
| Total Monthly Debt Service | $1,830 |
| DSCR Ratio | 1.72x |
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 1990
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62046, Hamel, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 400 (100%) |
| Owner Occupied HU | 324 (81.0%) |
| Renter Occupied HU | 53 (13.2%) |
| Vacant Housing Units | 23 ( 5.7%) |
| Median Home Value | $256,667 |
| Average Home Value | $253,958 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
55
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 1990
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62046, Hamel, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 400 (100%) |
| Owner Occupied HU | 324 (81.0%) |
| Renter Occupied HU | 53 (13.2%) |
| Vacant Housing Units | 23 ( 5.7%) |
| Median Home Value | $256,667 |
| Average Home Value | $253,958 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices