4351 Maple DrGalesburgIL61401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4351 Maple Dr, Galesburg, IL, 61401 in Galesburg is narrow, $109/mo net on $803/mo rent after the $450/mo debt service, but the property operates at break-even-plus, not a loss. At $100,000 with a 9.64% yield, the long-run equity case via 5% appreciation ($27,628 over five years) and $921/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.78 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $45,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $109 | $300 |
City averages based on Galesburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $803 |
| Total Monthly Debt Service | $654 |
| DSCR Ratio | 1.23x |
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.
Single Family
Built in 1964
1,270 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61401, Galesburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,243 (100%) |
| Owner Occupied HU | 8,650 (56.7%) |
| Renter Occupied HU | 4,783 (31.4%) |
| Vacant Housing Units | 1,810 (11.9%) |
| Median Home Value | $102,521 |
| Average Home Value | $143,193 |
Housing Distribution
Address Breakdown
Residential
13,990
Single Family
12,438
Multi-Family
1,552
Businesses
1,024
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 1964
1,270 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61401, Galesburg, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,243 (100%) |
| Owner Occupied HU | 8,650 (56.7%) |
| Renter Occupied HU | 4,783 (31.4%) |
| Vacant Housing Units | 1,810 (11.9%) |
| Median Home Value | $102,521 |
| Average Home Value | $143,193 |
Housing Distribution
Address Breakdown
Residential
13,990
Single Family
12,438
Multi-Family
1,552
Businesses
1,024
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices