325 Monica LnOswegoIL60543
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 325 Monica Ln, Oswego, IL, 60543 in Oswego. At $480,490 it earns $3,810/mo in rent and distributes $428/mo to the owner after the $2,161/mo payment, a consistent 9.52% yield. DSCR 1.76 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $132,751 in value; $4,425/yr in principal paydown compounds ownership stake. Total projected return: $214,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.2% |
| Monthly Cash Flow | $428 | $350 |
City averages based on Oswego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,810 |
| Total Monthly Debt Service | $3,142 |
| DSCR Ratio | 1.21x |
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 2026
9,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60543, Oswego, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,890 (100%) |
| Owner Occupied HU | 11,607 (78.0%) |
| Renter Occupied HU | 2,638 (17.7%) |
| Vacant Housing Units | 645 ( 4.3%) |
| Median Home Value | $339,936 |
| Average Home Value | $357,657 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
13,886
Multi-Family
591
Businesses
993
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
9,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60543, Oswego, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,890 (100%) |
| Owner Occupied HU | 11,607 (78.0%) |
| Renter Occupied HU | 2,638 (17.7%) |
| Vacant Housing Units | 645 ( 4.3%) |
| Median Home Value | $339,936 |
| Average Home Value | $357,657 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
13,886
Multi-Family
591
Businesses
993
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices