3709 Hawthorne StHarvardIL60033
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 3709 Hawthorne St, Harvard, IL, 60033 in Harvard hard to pass up. The 11.43% gross yield on a $315,000 purchase results in $3,000/mo in rent and $815/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.12). Annual cash flow of $9,781, five-year appreciation of $87,029, and $2,901/yr in equity build-up combine for a projected total cumulative return of $172,954.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.0% |
| Monthly Cash Flow | $815 | $300 |
City averages based on Harvard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $2,060 |
| DSCR Ratio | 1.46x |
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 1960
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60033, Harvard, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,189 (100%) |
| Owner Occupied HU | 3,315 (63.9%) |
| Renter Occupied HU | 1,551 (29.9%) |
| Vacant Housing Units | 323 ( 6.2%) |
| Median Home Value | $243,968 |
| Average Home Value | $284,540 |
Housing Distribution
Address Breakdown
Residential
4,948
Single Family
4,485
Multi-Family
463
Businesses
429
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 1960
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60033, Harvard, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,189 (100%) |
| Owner Occupied HU | 3,315 (63.9%) |
| Renter Occupied HU | 1,551 (29.9%) |
| Vacant Housing Units | 323 ( 6.2%) |
| Median Home Value | $243,968 |
| Average Home Value | $284,540 |
Housing Distribution
Address Breakdown
Residential
4,948
Single Family
4,485
Multi-Family
463
Businesses
429
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices