4449 State Route 3Red BudIL62278
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4449 State Route 3, Red Bud, IL, 62278 in Red Bud is a top-tier cash-flow asset. At $200,000 it produces $2,064/mo in rent and $677/mo in net monthly income, a 12.38% gross rental yield. The DSCR of 2.30 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,121. Five-year appreciation adds $55,256, driving a total cumulative return of $120,059.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 8.0% |
| Monthly Cash Flow | $677 | $250 |
City averages based on Red Bud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,064 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.58x |
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
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62278, Red Bud, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,001 (100%) |
| Owner Occupied HU | 2,213 (73.7%) |
| Renter Occupied HU | 542 (18.1%) |
| Vacant Housing Units | 246 ( 8.2%) |
| Median Home Value | $215,244 |
| Average Home Value | $242,262 |
Housing Distribution
Address Breakdown
Residential
2,793
Single Family
2,719
Multi-Family
74
Businesses
247
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
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62278, Red Bud, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,001 (100%) |
| Owner Occupied HU | 2,213 (73.7%) |
| Renter Occupied HU | 542 (18.1%) |
| Vacant Housing Units | 246 ( 8.2%) |
| Median Home Value | $215,244 |
| Average Home Value | $242,262 |
Housing Distribution
Address Breakdown
Residential
2,793
Single Family
2,719
Multi-Family
74
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mandy McGuire • Keller Williams Pinnacle
Mls Name: MARIS
Mls Provider:
Mls ID: #25044820
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