409 W 4th StPecatonicaIL61063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 409 W 4th St, Pecatonica, IL, 61063 in Pecatonica at $160,000 earns $1,269/mo in rent and nets $159/mo after the $719/mo payment, a 9.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $44,205 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $1,474/yr in principal paydown, total projected return reaches $71,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $159 | $300 |
City averages based on Pecatonica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,269 |
| Total Monthly Debt Service | $1,046 |
| DSCR Ratio | 1.21x |
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 1920
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
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 1920
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aubra Palermo • Re/Max Unites
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls ID: #202600526