39W871 Deer Run DrSt CharlesIL60175
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 39W871 Deer Run Dr, St Charles, IL, 60175 in St Charles speaks for itself: 11.05% gross on a $499,900 price, generating $4,603/mo in rent and $1,122/mo in net income after the $2,248/mo debt service. DSCR 2.05, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,470 stacks alongside $138,113 in projected five-year appreciation and $4,604/yr in principal reduction. Projected total cumulative return: $263,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,122 | $250 |
City averages based on St Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,603 |
| Total Monthly Debt Service | $3,282 |
| DSCR Ratio | 1.40x |
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 1986
1.20 Acres lot
$N/A/sqft
$160 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
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 1986
1.20 Acres lot
$N/A/sqft
$160 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60175, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 8,172 (89.7%) |
| Renter Occupied HU | 699 ( 7.7%) |
| Vacant Housing Units | 236 ( 2.6%) |
| Median Home Value | $517,490 |
| Average Home Value | $555,441 |
Housing Distribution
Address Breakdown
Residential
8,548
Single Family
8,544
Multi-Family
4
Businesses
297
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices