328 Radcliff RdShilohIL62221
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 328 Radcliff Rd, Shiloh, IL, 62221 in Shiloh speaks for itself: 13.53% gross on a $207,500 price, generating $2,339/mo in rent and $900/mo in net income after the $933/mo debt service. DSCR 2.51, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,794 stacks alongside $57,328 in projected five-year appreciation and $1,911/yr in principal reduction. Projected total cumulative return: $137,294.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 6.0% |
| Monthly Cash Flow | $900 | $300 |
City averages based on Shiloh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,339 |
| Total Monthly Debt Service | $1,357 |
| DSCR Ratio | 1.72x |
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 1997
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62221, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,726 (100%) |
| Owner Occupied HU | 7,788 (61.2%) |
| Renter Occupied HU | 4,046 (31.8%) |
| Vacant Housing Units | 892 ( 7.0%) |
| Median Home Value | $232,761 |
| Average Home Value | $264,956 |
Housing Distribution
Address Breakdown
Residential
12,440
Single Family
11,741
Multi-Family
699
Businesses
368
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 1997
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62221, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,726 (100%) |
| Owner Occupied HU | 7,788 (61.2%) |
| Renter Occupied HU | 4,046 (31.8%) |
| Vacant Housing Units | 892 ( 7.0%) |
| Median Home Value | $232,761 |
| Average Home Value | $264,956 |
Housing Distribution
Address Breakdown
Residential
12,440
Single Family
11,741
Multi-Family
699
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices