3786-3788 Sage DrRockfordIL61114
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3786-3788 Sage Dr, Rockford, IL, 61114 in Rockford worth study. Rental yield 5.45%. The 5.45% gross yield is below cash-flow benchmarks at $392,000, but 5% annual appreciation, adding $108,302 over five years, frames this as a capital growth position. Rent of $1,781/mo partially offsets the $1,763/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $89,555.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 9.2% |
| Monthly Cash Flow | $(938) | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,781 |
| Total Monthly Debt Service | $2,563 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61114, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,890 (71.1%) |
| Renter Occupied HU | 1,658 (24.1%) |
| Vacant Housing Units | 332 ( 4.8%) |
| Median Home Value | $241,400 |
| Average Home Value | $257,532 |
Housing Distribution
Address Breakdown
Residential
6,697
Single Family
5,949
Multi-Family
748
Businesses
263
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
Multi Family
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61114, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,890 (71.1%) |
| Renter Occupied HU | 1,658 (24.1%) |
| Vacant Housing Units | 332 ( 4.8%) |
| Median Home Value | $241,400 |
| Average Home Value | $257,532 |
Housing Distribution
Address Breakdown
Residential
6,697
Single Family
5,949
Multi-Family
748
Businesses
263
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices