39W089 Adobe RdgElginIL60124
INVESTMENT ANALYSIS
Investment Verdict
Solid Income39W089 Adobe Rdg, Elgin, IL, 60124 in Elgin carries a 1.51 coverage ratio, rent of $3,721/mo is 1.51 times the $2,469/mo payment. Rental yield 8.13%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $549,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $151,679; total projected cumulative return: $204,385.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $(97) | $200 |
City averages based on Elgin market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,721 |
| Total Monthly Debt Service | $3,590 |
| DSCR Ratio | 1.04x |
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 1985
1.42 Acres lot
$N/A/sqft
No HOA
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 1985
1.42 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices