44 E Adams DrCahokiaIL62206
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 44 E Adams Dr, Cahokia, IL, 62206 in Cahokia is narrow, $109/mo net on $837/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $104,900 with a 9.57% yield, the long-run equity case via 5% appreciation ($28,982 over five years) and $966/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $47,142.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.2% |
| Monthly Cash Flow | $109 | $300 |
City averages based on Cahokia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $837 |
| Total Monthly Debt Service | $686 |
| 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.
Single Family
Built in 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62206, East Saint Louis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,698 (100%) |
| Owner Occupied HU | 2,364 (41.5%) |
| Renter Occupied HU | 2,253 (39.5%) |
| Vacant Housing Units | 1,081 (19.0%) |
| Median Home Value | $53,510 |
| Average Home Value | $80,649 |
Housing Distribution
Address Breakdown
Residential
4,876
Single Family
4,876
Multi-Family
0
Businesses
358
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 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62206, East Saint Louis, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,698 (100%) |
| Owner Occupied HU | 2,364 (41.5%) |
| Renter Occupied HU | 2,253 (39.5%) |
| Vacant Housing Units | 1,081 (19.0%) |
| Median Home Value | $53,510 |
| Average Home Value | $80,649 |
Housing Distribution
Address Breakdown
Residential
4,876
Single Family
4,876
Multi-Family
0
Businesses
358
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices