4059 W 90th StHometownIL60456
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4059 W 90th St, Hometown, IL, 60456 in Hometown at $289,000 earns $2,100/mo in rent and nets $95/mo after the $1,300/mo payment, a 8.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $79,845 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $2,662/yr in principal paydown, total projected return reaches $116,644.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $95 | $350 |
City averages based on Hometown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,890 |
| DSCR Ratio | 1.11x |
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 1952
4,000 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 1952
4,000 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