412 Bluff AveLa GrangeIL60525
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.96% gross rental yield, 412 Bluff Ave, La Grange, IL, 60525 in La Grange is priced for capital growth, not immediate cash flow. The $649,700 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $179,500 by year five, with $5,984/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $166,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,657) | $2,200 |
City averages based on La Grange market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,228 |
| Total Monthly Debt Service | $4,248 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2021
1,726 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60525, La Grange, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,466 (100%) |
| Owner Occupied HU | 9,822 (72.9%) |
| Renter Occupied HU | 2,517 (18.7%) |
| Vacant Housing Units | 1,127 ( 8.4%) |
| Median Home Value | $439,538 |
| Average Home Value | $494,000 |
Housing Distribution
Address Breakdown
Residential
12,148
Single Family
8,997
Multi-Family
3,151
Businesses
1,523
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
Townhouse
Built in 2021
1,726 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60525, La Grange, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,466 (100%) |
| Owner Occupied HU | 9,822 (72.9%) |
| Renter Occupied HU | 2,517 (18.7%) |
| Vacant Housing Units | 1,127 ( 8.4%) |
| Median Home Value | $439,538 |
| Average Home Value | $494,000 |
Housing Distribution
Address Breakdown
Residential
12,148
Single Family
8,997
Multi-Family
3,151
Businesses
1,523
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices