4515 186th St NPort ByronIL61275
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4515 186th St N, Port Byron, IL, 61275 in Port Byron. At $195,000 it earns $1,579/mo in rent and distributes $227/mo to the owner after the $877/mo payment, a consistent 9.72% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $53,875 in value; $1,796/yr in principal paydown compounds ownership stake. Total projected return: $89,137.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $227 | $1,500 |
City averages based on Port Byron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,579 |
| Total Monthly Debt Service | $1,275 |
| DSCR Ratio | 1.24x |
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 1967
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
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 1967
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61275, Port Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,998 (100%) |
| Owner Occupied HU | 1,614 (80.8%) |
| Renter Occupied HU | 270 (13.5%) |
| Vacant Housing Units | 114 ( 5.7%) |
| Median Home Value | $279,505 |
| Average Home Value | $306,784 |
Housing Distribution
Address Breakdown
Residential
1,794
Single Family
1,543
Multi-Family
251
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leila Vold • NextHome QC Realty
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #QC4261465
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.