4454 N Prairie View RdArgentaIL62501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4454 N Prairie View Rd, Argenta, IL, 62501 in Argenta. Rental yield 4.43%. At $495,000 with 4.43% gross yield, current distributions are modest, but the 5% appreciation rate projects $136,759 in new equity by year five, complemented by $4,559/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.82) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $86,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(1,606) | $150 |
City averages based on Argenta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,828 |
| Total Monthly Debt Service | $3,236 |
| DSCR Ratio | 0.56x |
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 1980
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62501, Argenta, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,080 (100%) |
| Owner Occupied HU | 886 (82.0%) |
| Renter Occupied HU | 108 ( 10.0%) |
| Vacant Housing Units | 86 ( 8.0%) |
| Median Home Value | $190,726 |
| Average Home Value | $205,161 |
Housing Distribution
Address Breakdown
Residential
850
Single Family
850
Multi-Family
0
Businesses
36
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 1980
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62501, Argenta, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,080 (100%) |
| Owner Occupied HU | 886 (82.0%) |
| Renter Occupied HU | 108 ( 10.0%) |
| Vacant Housing Units | 86 ( 8.0%) |
| Median Home Value | $190,726 |
| Average Home Value | $205,161 |
Housing Distribution
Address Breakdown
Residential
850
Single Family
850
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices