38 S Charles AveVilla ParkIL60181
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Villa Park rentals match the income profile of 38 S Charles Ave, Villa Park, IL, 60181. Listed at $322,000, gross rent is $4,594/mo and net cash flow is $2,360/mo, a 17.12% yield well above national averages. DSCR 3.17 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $88,963 by year five with $2,966/yr in annual principal reduction, projecting $275,056 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 5.5% |
| Monthly Cash Flow | $2,360 | $250 |
City averages based on Villa Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,594 |
| Total Monthly Debt Service | $2,105 |
| DSCR Ratio | 2.18x |
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 1913
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60181, Villa Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,742 (100%) |
| Owner Occupied HU | 8,174 (64.2%) |
| Renter Occupied HU | 3,702 (29.1%) |
| Vacant Housing Units | 866 ( 6.8%) |
| Median Home Value | $315,340 |
| Average Home Value | $341,741 |
Housing Distribution
Address Breakdown
Residential
11,262
Single Family
8,834
Multi-Family
2,428
Businesses
1,778
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 1913
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60181, Villa Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,742 (100%) |
| Owner Occupied HU | 8,174 (64.2%) |
| Renter Occupied HU | 3,702 (29.1%) |
| Vacant Housing Units | 866 ( 6.8%) |
| Median Home Value | $315,340 |
| Average Home Value | $341,741 |
Housing Distribution
Address Breakdown
Residential
11,262
Single Family
8,834
Multi-Family
2,428
Businesses
1,778
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices