405 E Arch StJerseyvilleIL62052
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 405 E Arch St, Jerseyville, IL, 62052 in Jerseyville, $185,000, 9.38% gross yield, $163/mo net income. Consider it a market-entry position, the $1,446/mo rent covers the $832/mo payment with a margin, and 5%/yr appreciation is projected to add $51,112 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.74) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $81,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $163 | $1,200 |
City averages based on Jerseyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,446 |
| Total Monthly Debt Service | $1,210 |
| DSCR Ratio | 1.20x |
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 1936
5,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62052, Jerseyville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,592 (100%) |
| Owner Occupied HU | 3,763 (67.3%) |
| Renter Occupied HU | 1,346 (24.1%) |
| Vacant Housing Units | 483 ( 8.6%) |
| Median Home Value | $183,858 |
| Average Home Value | $229,316 |
Housing Distribution
Address Breakdown
Residential
5,385
Single Family
5,192
Multi-Family
193
Businesses
420
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 1936
5,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62052, Jerseyville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,592 (100%) |
| Owner Occupied HU | 3,763 (67.3%) |
| Renter Occupied HU | 1,346 (24.1%) |
| Vacant Housing Units | 483 ( 8.6%) |
| Median Home Value | $183,858 |
| Average Home Value | $229,316 |
Housing Distribution
Address Breakdown
Residential
5,385
Single Family
5,192
Multi-Family
193
Businesses
420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina K Woolsey • Market Pro Realty, Inc
Mls Name: MARIS
Mls ID: #25052369