3217 Enfield CirSpringfieldIL62711
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3217 Enfield Cir, Springfield, IL, 62711 in Springfield worth study. Rental yield 5.79%. The 5.79% gross yield is below cash-flow benchmarks at $533,000, but 5% annual appreciation, adding $147,258 over five years, frames this as a capital growth position. Rent of $2,573/mo partially offsets the $2,397/mo payment. Ziffy Mortgage finances appreciation-play properties (1.07 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $131,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.2% |
| Monthly Cash Flow | $(1,124) | $450 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,573 |
| Total Monthly Debt Service | $3,485 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
0.27 Acres lot
$N/A/sqft
No HOA
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 2026
0.27 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RMLS Alliance as distributed by MLS GRID
Mls ID: #CA1044095