4112 Split Leaf DrLoves ParkIL61111
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 4112 Split Leaf Dr, Loves Park, IL, 61111 in Loves Park: $1,602/mo in rent, $202/mo in net income, 10.99% gross yield, 2.04 DSCR, all at $174,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,322 in appreciation and $1,611/yr in principal paydown projects total cumulative return of $80,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 8.0% |
| Monthly Cash Flow | $202 | $200 |
City averages based on Loves Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,602 |
| Total Monthly Debt Service | $1,331 |
| 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.
Condo
Built in 1988
N/A lot
$N/A/sqft
$561 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61111, Loves Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,578 (100%) |
| Owner Occupied HU | 6,876 (65.0%) |
| Renter Occupied HU | 3,248 (30.7%) |
| Vacant Housing Units | 454 ( 4.3%) |
| Median Home Value | $166,525 |
| Average Home Value | $191,823 |
Housing Distribution
Address Breakdown
Residential
10,594
Single Family
10,170
Multi-Family
424
Businesses
1,016
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
Condo
Built in 1988
N/A lot
$N/A/sqft
$561 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61111, Loves Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,578 (100%) |
| Owner Occupied HU | 6,876 (65.0%) |
| Renter Occupied HU | 3,248 (30.7%) |
| Vacant Housing Units | 454 ( 4.3%) |
| Median Home Value | $166,525 |
| Average Home Value | $191,823 |
Housing Distribution
Address Breakdown
Residential
10,594
Single Family
10,170
Multi-Family
424
Businesses
1,016
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices