4312 W Cullerton StChicagoIL60623
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4312 W Cullerton St, Chicago, IL, 60623 in Chicago. Priced at $159,900, it generates $1,622/mo in gross rent and $513/mo in net monthly cash flow, a 12.17% yield that comfortably supports the 2.26 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,155. Five-year appreciation: $44,177. Equity from principal paydown: $1,473/yr. Total projected cumulative return: $94,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.1% |
| Monthly Cash Flow | $513 | $850 |
City averages based on Chicago 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 | $1,622 |
| Total Monthly Debt Service | $1,045 |
| DSCR Ratio | 1.55x |
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.
Multi Family
Built in 1914
3,750 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
Multi Family
Built in 1914
3,750 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