4155 N Bernard St #GChicagoIL60618
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4155 N Bernard St #G, Chicago, IL, 60618 in Chicago at $134,900 earns $1,074/mo in rent and nets $138/mo after the $607/mo payment, a 9.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,270 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,242/yr in principal paydown, total projected return reaches $60,486.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.1% |
| Monthly Cash Flow | $138 | $850 |
City averages based on Chicago market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,074 |
| Total Monthly Debt Service | $882 |
| DSCR Ratio | 1.22x |
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 1929
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60618, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 40,449 (100%) |
| Owner Occupied HU | 17,253 (42.7%) |
| Renter Occupied HU | 19,862 (49.1%) |
| Vacant Housing Units | 3,334 ( 8.2%) |
| Median Home Value | $543,001 |
| Average Home Value | $610,118 |
Housing Distribution
Address Breakdown
Residential
33,669
Single Family
18,656
Multi-Family
15,013
Businesses
2,411
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 1929
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60618, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 40,449 (100%) |
| Owner Occupied HU | 17,253 (42.7%) |
| Renter Occupied HU | 19,862 (49.1%) |
| Vacant Housing Units | 3,334 ( 8.2%) |
| Median Home Value | $543,001 |
| Average Home Value | $610,118 |
Housing Distribution
Address Breakdown
Residential
33,669
Single Family
18,656
Multi-Family
15,013
Businesses
2,411
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices