367 Oak StHettickIL62649
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow367 Oak St, Hettick, IL, 62649 in Hettick is a solid income-producing rental, 11.65% gross yield, $1,471/mo rent, $420/mo net cash flow on a $151,500 buy. DSCR 2.16 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $41,857 and $1,395/yr in principal reduction project a total cumulative return of $85,005.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $420 | $200 |
City averages based on Hettick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,471 |
| Total Monthly Debt Service | $991 |
| DSCR Ratio | 1.49x |
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 1998
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62649, Hettick, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 208 (100%) |
| Owner Occupied HU | 158 (76.0%) |
| Renter Occupied HU | 21 (10.1%) |
| Vacant Housing Units | 29 (13.9%) |
| Median Home Value | $200,000 |
| Average Home Value | $228,623 |
Housing Distribution
Address Breakdown
Residential
147
Single Family
147
Multi-Family
0
Businesses
10
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 1998
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62649, Hettick, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 208 (100%) |
| Owner Occupied HU | 158 (76.0%) |
| Renter Occupied HU | 21 (10.1%) |
| Vacant Housing Units | 29 (13.9%) |
| Median Home Value | $200,000 |
| Average Home Value | $228,623 |
Housing Distribution
Address Breakdown
Residential
147
Single Family
147
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices