4409 Devin DrSmithtonIL62285
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 4409 Devin Dr, Smithton, IL, 62285 in Smithton. Rental yield 6.99%. The 1.30 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $96,395 and $3,213/yr in principal reduction project total return of $108,474.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 7.0% |
| Monthly Cash Flow | $(388) | $500 |
City averages based on Smithton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,032 |
| Total Monthly Debt Service | $2,281 |
| DSCR Ratio | 0.89x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62285, Smithton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,836 (100%) |
| Owner Occupied HU | 1,625 (88.5%) |
| Renter Occupied HU | 131 ( 7.1%) |
| Vacant Housing Units | 80 ( 4.4%) |
| Median Home Value | $281,330 |
| Average Home Value | $305,514 |
Housing Distribution
Address Breakdown
Residential
1,734
Single Family
1,734
Multi-Family
0
Businesses
99
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 N/A
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62285, Smithton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,836 (100%) |
| Owner Occupied HU | 1,625 (88.5%) |
| Renter Occupied HU | 131 ( 7.1%) |
| Vacant Housing Units | 80 ( 4.4%) |
| Median Home Value | $281,330 |
| Average Home Value | $305,514 |
Housing Distribution
Address Breakdown
Residential
1,734
Single Family
1,734
Multi-Family
0
Businesses
99
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices