3906 Crail RdChampaignIL61822
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3906 Crail Rd, Champaign, IL, 61822 in Champaign at $315,000 earns $2,260/mo in rent and nets $75/mo after the $1,416/mo payment, a 8.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $87,029 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $2,901/yr in principal paydown, total projected return reaches $125,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $75 | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,260 |
| Total Monthly Debt Service | $2,060 |
| DSCR Ratio | 1.10x |
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 1999
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61822, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 7,026 (63.5%) |
| Renter Occupied HU | 3,313 (30.0%) |
| Vacant Housing Units | 720 ( 6.5%) |
| Median Home Value | $286,817 |
| Average Home Value | $324,039 |
Housing Distribution
Address Breakdown
Residential
11,567
Single Family
10,481
Multi-Family
1,086
Businesses
686
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 1999
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61822, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 7,026 (63.5%) |
| Renter Occupied HU | 3,313 (30.0%) |
| Vacant Housing Units | 720 ( 6.5%) |
| Median Home Value | $286,817 |
| Average Home Value | $324,039 |
Housing Distribution
Address Breakdown
Residential
11,567
Single Family
10,481
Multi-Family
1,086
Businesses
686
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices