3901 Destiny DrSpringfieldIL62712
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3901 Destiny Dr, Springfield, IL, 62712 in Springfield speaks for itself: 10.14% gross on a $315,000 price, generating $2,041/mo in rent and $559/mo in net income after the $1,416/mo debt service. DSCR 1.44, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,709 stacks alongside $87,029 in projected five-year appreciation and $2,901/yr in principal reduction. Projected total cumulative return: $108,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.2% |
| Monthly Cash Flow | $559 | $450 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,041 |
| Total Monthly Debt Service | $2,109 |
| DSCR Ratio | 0.97x |
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.
Single Family
Built in 2000
0.30 Acres lot
$N/A/sqft
No HOA
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 2000
0.30 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James J Skeeters • Keller Williams Capital
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #CA1036485
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-30 04:33:26 PDT. 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/#564)