410 N Elm StArthurIL61911
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 410 N Elm St, Arthur, IL, 61911 in Arthur is narrow, $200/mo net on $1,483/mo rent after the $877/mo debt service, but the property operates at break-even-plus, not a loss. At $185,000 with a 9.62% yield, the long-run equity case via 5% appreciation ($51,112 over five years) and $1,551/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $80,173.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.5% |
| Monthly Cash Flow | $200 | $1,500 |
City averages based on Arthur 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 | $1,483 |
| Total Monthly Debt Service | $1,255 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Home Type Unknown
Built in 1975
8,799 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61911, Arthur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,791 (100%) |
| Owner Occupied HU | 1,234 (68.9%) |
| Renter Occupied HU | 411 (22.9%) |
| Vacant Housing Units | 146 ( 8.2%) |
| Median Home Value | $206,129 |
| Average Home Value | $226,248 |
Housing Distribution
Address Breakdown
Residential
1,712
Single Family
1,650
Multi-Family
62
Businesses
254
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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
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