3700 N Pea Ridge RdScales MoundIL61075
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Scales Mound rentals match the income profile of 3700 N Pea Ridge Rd, Scales Mound, IL, 61075. Listed at $599,000, gross rent is $5,779/mo and net cash flow is $1,624/mo, a 11.58% yield well above national averages. DSCR 2.15 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $165,493 by year five with $5,517/yr in annual principal reduction, projecting $333,676 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $1,624 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,779 |
| Total Monthly Debt Service | $3,916 |
| DSCR Ratio | 1.48x |
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 2003
50.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61075, Scales Mound, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 513 (100%) |
| Owner Occupied HU | 382 (74.5%) |
| Renter Occupied HU | 52 (10.1%) |
| Vacant Housing Units | 79 (15.4%) |
| Median Home Value | $303,636 |
| Average Home Value | $352,742 |
Housing Distribution
Address Breakdown
Residential
357
Single Family
357
Multi-Family
0
Businesses
29
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 2003
50.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61075, Scales Mound, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 513 (100%) |
| Owner Occupied HU | 382 (74.5%) |
| Renter Occupied HU | 52 (10.1%) |
| Vacant Housing Units | 79 (15.4%) |
| Median Home Value | $303,636 |
| Average Home Value | $352,742 |
Housing Distribution
Address Breakdown
Residential
357
Single Family
357
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices