3905 Harmony DrZionIL60099
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3905 Harmony Dr, Zion, IL, 60099 in Zion. At $429,900 it earns $3,378/mo in rent and distributes $355/mo to the owner after the $1,933/mo payment, a consistent 9.43% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $118,773 in value; $3,959/yr in principal paydown compounds ownership stake. Total projected return: $189,936.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $355 | $1,500 |
City averages based on Zion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,378 |
| Total Monthly Debt Service | $2,811 |
| DSCR Ratio | 1.20x |
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60099, Zion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,120 (100%) |
| Owner Occupied HU | 7,070 (58.3%) |
| Renter Occupied HU | 4,242 (35.0%) |
| Vacant Housing Units | 808 ( 6.7%) |
| Median Home Value | $201,948 |
| Average Home Value | $236,141 |
Housing Distribution
Address Breakdown
Residential
11,258
Single Family
9,008
Multi-Family
2,250
Businesses
531
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60099, Zion, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,120 (100%) |
| Owner Occupied HU | 7,070 (58.3%) |
| Renter Occupied HU | 4,242 (35.0%) |
| Vacant Housing Units | 808 ( 6.7%) |
| Median Home Value | $201,948 |
| Average Home Value | $236,141 |
Housing Distribution
Address Breakdown
Residential
11,258
Single Family
9,008
Multi-Family
2,250
Businesses
531
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices