4266 E 1553rd RdEarlvilleIL60518
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4266 E 1553rd Rd, Earlville, IL, 60518 in Earlville is priced for appreciation, not yield. Rental yield 0.79%. At $1,150,000 with a 0.79% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $317,724 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.14) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 8.0% |
| Monthly Cash Flow | $(7,218) | $300 |
City averages based on Earlville 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 | $758 |
| Total Monthly Debt Service | $7,800 |
| DSCR Ratio | 0.10x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1926
4.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
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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
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