3901 Michael John DrSwanseaIL62226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3901 Michael John Dr, Swansea, IL, 62226 in Swansea at $331,000 earns $2,625/mo in rent and nets $198/mo after the $1,488/mo payment, a 9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $91,449 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $3,049/yr in principal paydown, total projected return reaches $147,824.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $198 | $350 |
City averages based on Swansea market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,625 |
| Total Monthly Debt Service | $2,164 |
| DSCR Ratio | 1.21x |
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 1990
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62226, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,499 (100%) |
| Owner Occupied HU | 8,318 (57.4%) |
| Renter Occupied HU | 4,615 (31.8%) |
| Vacant Housing Units | 1,566 (10.8%) |
| Median Home Value | $201,090 |
| Average Home Value | $231,123 |
Housing Distribution
Address Breakdown
Residential
12,949
Single Family
11,666
Multi-Family
1,283
Businesses
755
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 1990
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62226, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,499 (100%) |
| Owner Occupied HU | 8,318 (57.4%) |
| Renter Occupied HU | 4,615 (31.8%) |
| Vacant Housing Units | 1,566 (10.8%) |
| Median Home Value | $201,090 |
| Average Home Value | $231,123 |
Housing Distribution
Address Breakdown
Residential
12,949
Single Family
11,666
Multi-Family
1,283
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erica L Timko • Keller Williams Marquee
Mls Name: MARIS
Mls Provider:
Mls ID: #25027837
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