414 Young DrGeffIL62842
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow414 Young Dr, Geff, IL, 62842 in Geff earns a respectable 10.29% gross yield at $110,000, but after the $495/mo mortgage the net cash flow is $180/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.91) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $30,391 over five years, making equity the dominant return driver. Total projected return: $53,665.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $180 | $2,000 |
City averages based on Geff 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 | $943 |
| Total Monthly Debt Service | $719 |
| DSCR Ratio | 1.31x |
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 2018
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62842, Geff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 228 (71.9%) |
| Renter Occupied HU | 55 (17.4%) |
| Vacant Housing Units | 34 (10.7%) |
| Median Home Value | $117,500 |
| Average Home Value | $150,581 |
Housing Distribution
Address Breakdown
Residential
309
Single Family
309
Multi-Family
0
Businesses
7
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 2018
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62842, Geff, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 228 (71.9%) |
| Renter Occupied HU | 55 (17.4%) |
| Vacant Housing Units | 34 (10.7%) |
| Median Home Value | $117,500 |
| Average Home Value | $150,581 |
Housing Distribution
Address Breakdown
Residential
309
Single Family
309
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices