36 Circle Dr EMontgomeryIL60538
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 36 Circle Dr E, Montgomery, IL, 60538 in Montgomery deserves attention. This $304,000 property earns $2,732/mo in rent, a 10.79% gross yield, and nets $624/mo after the $1,367/mo payment. DSCR 2.00 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $83,990 compounds alongside $2,800/yr in yearly equity build, for a total cumulative return of $156,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 10.0% |
| Monthly Cash Flow | $624 | $200 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,732 |
| Total Monthly Debt Service | $1,988 |
| DSCR Ratio | 1.37x |
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
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60538, Montgomery, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,298 (100%) |
| Owner Occupied HU | 8,095 (78.6%) |
| Renter Occupied HU | 1,961 (19.0%) |
| Vacant Housing Units | 242 ( 2.3%) |
| Median Home Value | $261,970 |
| Average Home Value | $273,612 |
Housing Distribution
Address Breakdown
Residential
10,214
Single Family
9,940
Multi-Family
274
Businesses
424
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
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60538, Montgomery, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,298 (100%) |
| Owner Occupied HU | 8,095 (78.6%) |
| Renter Occupied HU | 1,961 (19.0%) |
| Vacant Housing Units | 242 ( 2.3%) |
| Median Home Value | $261,970 |
| Average Home Value | $273,612 |
Housing Distribution
Address Breakdown
Residential
10,214
Single Family
9,940
Multi-Family
274
Businesses
424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maggy Celis • Keller Williams Innovate - Aurora
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12430973
Disclaimer: Based on information submitted to the MLS GRID as of 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#17)