3906 Abbotsford RdRockfordIL61107
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.1% yield at 3906 Abbotsford Rd, Rockford, IL, 61107 in Rockford is solid, but the $697/mo payment compresses net cash flow to $100/mo at $155,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $42,824 by year five, and $1,428/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.69) without U.S. income documentation. Total projected return: $65,730.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 9.2% |
| Monthly Cash Flow | $100 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,175 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 1.16x |
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 1945
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61107, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,409 (100%) |
| Owner Occupied HU | 8,901 (61.8%) |
| Renter Occupied HU | 4,531 (31.4%) |
| Vacant Housing Units | 977 ( 6.8%) |
| Median Home Value | $188,527 |
| Average Home Value | $224,860 |
Housing Distribution
Address Breakdown
Residential
13,703
Single Family
12,131
Multi-Family
1,572
Businesses
702
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 1945
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61107, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,409 (100%) |
| Owner Occupied HU | 8,901 (61.8%) |
| Renter Occupied HU | 4,531 (31.4%) |
| Vacant Housing Units | 977 ( 6.8%) |
| Median Home Value | $188,527 |
| Average Home Value | $224,860 |
Housing Distribution
Address Breakdown
Residential
13,703
Single Family
12,131
Multi-Family
1,572
Businesses
702
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices