327 S Orange StHavanaIL62644
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 327 S Orange St, Havana, IL, 62644 in Havana: $1,537/mo in rent, $275/mo in net income, 10.14% gross yield, 1.88 DSCR, all at $182,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $50,283 in appreciation and $1,676/yr in principal paydown projects total cumulative return of $87,328.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 4.5% |
| Monthly Cash Flow | $275 | $250 |
City averages based on Havana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,537 |
| Total Monthly Debt Service | $1,190 |
| DSCR Ratio | 1.29x |
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 1879
9,768 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
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 1879
9,768 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices