3638 Napa LnNormalIL61761
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3638 Napa Ln, Normal, IL, 61761 in Normal speaks for itself: 10.92% gross on a $470,000 price, generating $4,278/mo in rent and $998/mo in net income after the $2,113/mo debt service. DSCR 2.02, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,976 stacks alongside $129,852 in projected five-year appreciation and $4,329/yr in principal reduction. Projected total cumulative return: $245,308.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.0% |
| Monthly Cash Flow | $998 | $300 |
City averages based on Normal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,278 |
| Total Monthly Debt Service | $3,073 |
| DSCR Ratio | 1.39x |
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 2017
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61761, Normal, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,515 (100%) |
| Owner Occupied HU | 11,570 (51.4%) |
| Renter Occupied HU | 9,063 (40.3%) |
| Vacant Housing Units | 1,882 ( 8.4%) |
| Median Home Value | $219,589 |
| Average Home Value | $253,433 |
Housing Distribution
Address Breakdown
Residential
20,029
Single Family
15,967
Multi-Family
4,062
Businesses
1,059
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 2017
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61761, Normal, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,515 (100%) |
| Owner Occupied HU | 11,570 (51.4%) |
| Renter Occupied HU | 9,063 (40.3%) |
| Vacant Housing Units | 1,882 ( 8.4%) |
| Median Home Value | $219,589 |
| Average Home Value | $253,433 |
Housing Distribution
Address Breakdown
Residential
20,029
Single Family
15,967
Multi-Family
4,062
Businesses
1,059
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices