328 W North StGeneseoIL61254
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 328 W North St, Geneseo, IL, 61254 in Geneseo speaks for itself: 22.83% gross on a $154,900 price, generating $2,947/mo in rent and $1,845/mo in net income after the $697/mo debt service. DSCR 4.23, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,134 stacks alongside $42,796 in projected five-year appreciation and $1,427/yr in principal reduction. Projected total cumulative return: $178,041.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 22.8% | 8.0% |
| Monthly Cash Flow | $1,845 | $1,500 |
City averages based on Geneseo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,947 |
| Total Monthly Debt Service | $1,041 |
| DSCR Ratio | 2.83x |
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 1953
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
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 1953
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices