4005 307th St N #4-LOT 204HillsdaleIL61257
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Hillsdale rental at 4005 307th St N #4-LOT 204, Hillsdale, IL, 61257 sits in the solid-income band: 10.64% gross yield, $1,236/mo rent, $269/mo net after the $627/mo debt service, DSCR 1.97. Entry price of $139,438 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $38,524 and $1,284/yr in principal reduction bring total cumulative return to $70,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 7.0% |
| Monthly Cash Flow | $269 | $250 |
City averages based on Hillsdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,236 |
| Total Monthly Debt Service | $912 |
| DSCR Ratio | 1.36x |
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.
Lot
Built in N/A
44.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61257, Hillsdale, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 499 (100%) |
| Owner Occupied HU | 366 (73.3%) |
| Renter Occupied HU | 50 (10.0%) |
| Vacant Housing Units | 83 (16.6%) |
| Median Home Value | $121,212 |
| Average Home Value | $180,239 |
Housing Distribution
Address Breakdown
Residential
442
Single Family
442
Multi-Family
0
Businesses
22
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
Lot
Built in N/A
44.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61257, Hillsdale, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 499 (100%) |
| Owner Occupied HU | 366 (73.3%) |
| Renter Occupied HU | 50 (10.0%) |
| Vacant Housing Units | 83 (16.6%) |
| Median Home Value | $121,212 |
| Average Home Value | $180,239 |
Housing Distribution
Address Breakdown
Residential
442
Single Family
442
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices