4405 State Route 84ThomsonIL61285
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 4405 State Route 84, Thomson, IL, 61285 in Thomson earns a 12.94% gross yield at $130,000. Rent of $1,402/mo nets $500/mo after the $585/mo mortgage. The 2.40 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $35,917 and $1,197/yr in equity accumulation project a total cumulative return of $81,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 7.0% |
| Monthly Cash Flow | $500 | $1,200 |
City averages based on Thomson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,402 |
| Total Monthly Debt Service | $850 |
| DSCR Ratio | 1.65x |
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 1969
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61285, Thomson, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 627 (67.9%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 163 (17.6%) |
| Median Home Value | $171,324 |
| Average Home Value | $201,228 |
Housing Distribution
Address Breakdown
Residential
781
Single Family
773
Multi-Family
8
Businesses
42
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 1969
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61285, Thomson, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 627 (67.9%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 163 (17.6%) |
| Median Home Value | $171,324 |
| Average Home Value | $201,228 |
Housing Distribution
Address Breakdown
Residential
781
Single Family
773
Multi-Family
8
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: DEANNA SHEPHERD • Mel Foster Co.
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202403758
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.