446 Rutland RdDekalbIL60115
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 446 Rutland Rd, Dekalb, IL, 60115 in Dekalb hard to pass up. The 15.23% gross yield on a $427,500 purchase results in $5,424/mo in rent and $2,217/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.82). Annual cash flow of $26,606, five-year appreciation of $118,110, and $3,937/yr in equity build-up combine for a projected total cumulative return of $307,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 8.0% |
| Monthly Cash Flow | $2,217 | $300 |
City averages based on Dekalb market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,424 |
| Total Monthly Debt Service | $3,037 |
| DSCR Ratio | 1.79x |
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 2006
0.31 Acres lot
$N/A/sqft
$291 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60115, Dekalb, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,304 (100%) |
| Owner Occupied HU | 7,574 (41.4%) |
| Renter Occupied HU | 8,918 (48.7%) |
| Vacant Housing Units | 1,812 ( 9.9%) |
| Median Home Value | $225,217 |
| Average Home Value | $244,557 |
Housing Distribution
Address Breakdown
Residential
17,163
Single Family
11,647
Multi-Family
5,516
Businesses
1,118
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 2006
0.31 Acres lot
$N/A/sqft
$291 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60115, Dekalb, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,304 (100%) |
| Owner Occupied HU | 7,574 (41.4%) |
| Renter Occupied HU | 8,918 (48.7%) |
| Vacant Housing Units | 1,812 ( 9.9%) |
| Median Home Value | $225,217 |
| Average Home Value | $244,557 |
Housing Distribution
Address Breakdown
Residential
17,163
Single Family
11,647
Multi-Family
5,516
Businesses
1,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices