4039 W 90th PlHometownIL60456
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 4039 W 90th Pl, Hometown, IL, 60456 in Hometown delivers $2,100/mo in gross rent and $471/mo in net monthly income at a $234,900 entry. The 10.73% yield and 1.99 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $64,899 over five years and $2,163/yr in equity from loan paydown, total projected return is $120,179.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $471 | $350 |
City averages based on Hometown 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 | $2,100 |
| Total Monthly Debt Service | $1,536 |
| DSCR Ratio | 1.37x |
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.
Multi Family
Built in 1950
6,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60456, Hometown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,934 (100%) |
| Owner Occupied HU | 1,378 (71.3%) |
| Renter Occupied HU | 472 (24.4%) |
| Vacant Housing Units | 84 ( 4.3%) |
| Median Home Value | $156,592 |
| Average Home Value | $164,323 |
Housing Distribution
Address Breakdown
Residential
1,891
Single Family
1,506
Multi-Family
385
Businesses
31
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
Multi Family
Built in 1950
6,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60456, Hometown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,934 (100%) |
| Owner Occupied HU | 1,378 (71.3%) |
| Renter Occupied HU | 472 (24.4%) |
| Vacant Housing Units | 84 ( 4.3%) |
| Median Home Value | $156,592 |
| Average Home Value | $164,323 |
Housing Distribution
Address Breakdown
Residential
1,891
Single Family
1,506
Multi-Family
385
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices