4148 W 19th St #0ChicagoIL60623
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4148 W 19th St #0, Chicago, IL, 60623 in Chicago at $150,000 earns $1,159/mo in rent and nets $119/mo after the $674/mo payment, a 9.27% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,442 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,382/yr in principal paydown, total projected return reaches $65,048.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.1% |
| Monthly Cash Flow | $119 | $850 |
City averages based on Chicago market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,159 |
| Total Monthly Debt Service | $981 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1950
3,125 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60623, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,760 (100%) |
| Owner Occupied HU | 9,106 (28.7%) |
| Renter Occupied HU | 18,918 (59.6%) |
| Vacant Housing Units | 3,736 (11.8%) |
| Median Home Value | $246,210 |
| Average Home Value | $270,307 |
Housing Distribution
Address Breakdown
Residential
18,318
Single Family
12,903
Multi-Family
5,415
Businesses
1,637
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 1950
3,125 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60623, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,760 (100%) |
| Owner Occupied HU | 9,106 (28.7%) |
| Renter Occupied HU | 18,918 (59.6%) |
| Vacant Housing Units | 3,736 (11.8%) |
| Median Home Value | $246,210 |
| Average Home Value | $270,307 |
Housing Distribution
Address Breakdown
Residential
18,318
Single Family
12,903
Multi-Family
5,415
Businesses
1,637
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices