327 E Ohio StMomenceIL60954
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 327 E Ohio St, Momence, IL, 60954 in Momence at $205,000 earns $1,471/mo in rent and nets $49/mo after the $922/mo payment, a 8.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $56,638 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $1,888/yr in principal paydown, total projected return reaches $81,573.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.5% |
| Monthly Cash Flow | $49 | $250 |
City averages based on Momence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,471 |
| Total Monthly Debt Service | $1,340 |
| DSCR Ratio | 1.10x |
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 1908
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60954, Momence, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,669 (100%) |
| Owner Occupied HU | 1,792 (67.1%) |
| Renter Occupied HU | 616 (23.1%) |
| Vacant Housing Units | 261 ( 9.8%) |
| Median Home Value | $202,241 |
| Average Home Value | $222,641 |
Housing Distribution
Address Breakdown
Residential
2,419
Single Family
2,355
Multi-Family
64
Businesses
206
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 1908
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60954, Momence, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,669 (100%) |
| Owner Occupied HU | 1,792 (67.1%) |
| Renter Occupied HU | 616 (23.1%) |
| Vacant Housing Units | 261 ( 9.8%) |
| Median Home Value | $202,241 |
| Average Home Value | $222,641 |
Housing Distribution
Address Breakdown
Residential
2,419
Single Family
2,355
Multi-Family
64
Businesses
206
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices