3904 Monica LnJohnsburgIL60051
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3904 Monica Ln, Johnsburg, IL, 60051 in Johnsburg deserves attention. This $308,900 property earns $2,760/mo in rent, a 10.72% gross yield, and nets $617/mo after the $1,389/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $85,343 compounds alongside $2,845/yr in yearly equity build, for a total cumulative return of $157,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 7.5% |
| Monthly Cash Flow | $617 | $250 |
City averages based on Johnsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $2,020 |
| DSCR Ratio | 1.37x |
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.
Townhouse
Built in 2025
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60051, Mchenry, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,090 (100%) |
| Owner Occupied HU | 8,357 (75.4%) |
| Renter Occupied HU | 2,004 (18.1%) |
| Vacant Housing Units | 729 ( 6.6%) |
| Median Home Value | $334,347 |
| Average Home Value | $354,514 |
Housing Distribution
Address Breakdown
Residential
10,471
Single Family
9,701
Multi-Family
770
Businesses
760
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
Townhouse
Built in 2025
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60051, Mchenry, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,090 (100%) |
| Owner Occupied HU | 8,357 (75.4%) |
| Renter Occupied HU | 2,004 (18.1%) |
| Vacant Housing Units | 729 ( 6.6%) |
| Median Home Value | $334,347 |
| Average Home Value | $354,514 |
Housing Distribution
Address Breakdown
Residential
10,471
Single Family
9,701
Multi-Family
770
Businesses
760
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices