3722 Saint Germain PlSt CharlesIL60175
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3722 Saint Germain Pl, St Charles, IL, 60175 in St Charles is narrow, $93/mo net on $5,159/mo rent after the $3,256/mo debt service, but the property operates at break-even-plus, not a loss. At $724,000 with a 8.55% yield, the long-run equity case via 5% appreciation ($200,028 over five years) and $6,668/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.58 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $283,103.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $93 | $250 |
City averages based on St Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,159 |
| Total Monthly Debt Service | $4,777 |
| DSCR Ratio | 1.08x |
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 2005
10,000 sqft lot
$N/A/sqft
$525 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
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 2005
10,000 sqft lot
$N/A/sqft
$525 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori Linkimer • Berkshire Hathaway HomeServices Starck Real Estate
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12366674
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)