323 Kings Mantle CtMt ZionIL62549
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 323 Kings Mantle Ct, Mt Zion, IL, 62549 in Mt Zion. Priced at $305,000, it generates $3,128/mo in gross rent and $1,013/mo in net monthly cash flow, a 12.31% yield that comfortably supports the 2.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,154. Five-year appreciation: $84,266. Equity from principal paydown: $2,809/yr. Total projected cumulative return: $181,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.0% |
| Monthly Cash Flow | $1,013 | $300 |
City averages based on Mt Zion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,128 |
| Total Monthly Debt Service | $1,994 |
| DSCR Ratio | 1.57x |
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 2006
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62549, Mt Zion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,655 (100%) |
| Owner Occupied HU | 1,971 (74.2%) |
| Renter Occupied HU | 474 (17.9%) |
| Vacant Housing Units | 210 ( 7.9%) |
| Median Home Value | $199,337 |
| Average Home Value | $213,962 |
Housing Distribution
Address Breakdown
Residential
2,594
Single Family
2,507
Multi-Family
87
Businesses
217
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 2006
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62549, Mt Zion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,655 (100%) |
| Owner Occupied HU | 1,971 (74.2%) |
| Renter Occupied HU | 474 (17.9%) |
| Vacant Housing Units | 210 ( 7.9%) |
| Median Home Value | $199,337 |
| Average Home Value | $213,962 |
Housing Distribution
Address Breakdown
Residential
2,594
Single Family
2,507
Multi-Family
87
Businesses
217
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
