417 E Timber StPontiacIL61764
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 417 E Timber St, Pontiac, IL, 61764 in Pontiac is a conservative rental investment at $174,000. Rental yield 7.54%. A 1.40 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $48,073; $1,603/yr in principal paydown supplements. Total projected return: $59,249.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $(114) | $250 |
City averages based on Pontiac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,093 |
| Total Monthly Debt Service | $1,138 |
| DSCR Ratio | 0.96x |
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.
Single Family
Built in 1890
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61764, Pontiac, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,700 (62.3%) |
| Renter Occupied HU | 1,677 (28.2%) |
| Vacant Housing Units | 560 ( 9.4%) |
| Median Home Value | $143,224 |
| Average Home Value | $185,956 |
Housing Distribution
Address Breakdown
Residential
5,297
Single Family
4,736
Multi-Family
561
Businesses
481
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
Single Family
Built in 1890
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61764, Pontiac, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,700 (62.3%) |
| Renter Occupied HU | 1,677 (28.2%) |
| Vacant Housing Units | 560 ( 9.4%) |
| Median Home Value | $143,224 |
| Average Home Value | $185,956 |
Housing Distribution
Address Breakdown
Residential
5,297
Single Family
4,736
Multi-Family
561
Businesses
481
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices