413 1425e StRipleyIL62353
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 413 1425e St, Ripley, IL, 62353 in Ripley speaks for itself: 15.67% gross on a $101,800 price, generating $1,330/mo in rent and $624/mo in net income after the $458/mo debt service. DSCR 2.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,482 stacks alongside $28,125 in projected five-year appreciation and $938/yr in principal reduction. Projected total cumulative return: $79,124.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.7% | 6.5% |
| Monthly Cash Flow | $624 | $300 |
City averages based on Ripley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,330 |
| Total Monthly Debt Service | $666 |
| DSCR Ratio | 2.00x |
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.
Manufactured
Built in 1997
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62353, Mount Sterling, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,699 (100%) |
| Owner Occupied HU | 1,091 (64.2%) |
| Renter Occupied HU | 372 (21.9%) |
| Vacant Housing Units | 236 (13.9%) |
| Median Home Value | $157,093 |
| Average Home Value | $173,680 |
Housing Distribution
Address Breakdown
Residential
1,569
Single Family
1,506
Multi-Family
63
Businesses
168
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
Manufactured
Built in 1997
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62353, Mount Sterling, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,699 (100%) |
| Owner Occupied HU | 1,091 (64.2%) |
| Renter Occupied HU | 372 (21.9%) |
| Vacant Housing Units | 236 (13.9%) |
| Median Home Value | $157,093 |
| Average Home Value | $173,680 |
Housing Distribution
Address Breakdown
Residential
1,569
Single Family
1,506
Multi-Family
63
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices