325 S Elm StHullIL62343
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow325 S Elm St, Hull, IL, 62343 in Hull is a top-tier cash-flow asset. At $155,900 it produces $1,764/mo in rent and $683/mo in net monthly income, a 13.58% gross rental yield. The DSCR of 2.52 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,192. Five-year appreciation adds $43,072, driving a total cumulative return of $103,573.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 8.0% |
| Monthly Cash Flow | $683 | $1,200 |
City averages based on Hull market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,764 |
| Total Monthly Debt Service | $1,019 |
| DSCR Ratio | 1.73x |
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 1955
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62343, Hull, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 305 (100%) |
| Owner Occupied HU | 216 (70.8%) |
| Renter Occupied HU | 44 (14.4%) |
| Vacant Housing Units | 45 (14.8%) |
| Median Home Value | $103,846 |
| Average Home Value | $148,113 |
Housing Distribution
Address Breakdown
Residential
225
Single Family
225
Multi-Family
0
Businesses
16
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 1955
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62343, Hull, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 305 (100%) |
| Owner Occupied HU | 216 (70.8%) |
| Renter Occupied HU | 44 (14.4%) |
| Vacant Housing Units | 45 (14.8%) |
| Median Home Value | $103,846 |
| Average Home Value | $148,113 |
Housing Distribution
Address Breakdown
Residential
225
Single Family
225
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices