4447 S Calumet AveChicagoIL60653
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4447 S Calumet Ave, Chicago, IL, 60653 in Chicago the bet is firmly on appreciation. Rental yield 3.5%. The 3.5% gross yield on a $1,149,000 price is below income-first thresholds, but 5%/yr value growth projects $317,448 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.61) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $120,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.1% |
| Monthly Cash Flow | $(4,623) | $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 | $3,347 |
| Total Monthly Debt Service | $7,793 |
| DSCR Ratio | 0.43x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 2026
3,200 sqft lot
$N/A/sqft
No HOA
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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
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