4541 Lawndale AveLyonsIL60534
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4541 Lawndale Ave, Lyons, IL, 60534 in Lyons is narrow, $162/mo net on $2,916/mo rent after the $1,785/mo debt service, but the property operates at break-even-plus, not a loss. At $397,000 with a 8.81% yield, the long-run equity case via 5% appreciation ($109,684 over five years) and $3,656/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.63 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $162,308.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $162 | $300 |
City averages based on Lyons market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,916 |
| Total Monthly Debt Service | $2,596 |
| DSCR Ratio | 1.12x |
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 1956
5,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60534, Lyons, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,364 (100%) |
| Owner Occupied HU | 2,529 (58.0%) |
| Renter Occupied HU | 1,521 (34.9%) |
| Vacant Housing Units | 314 ( 7.2%) |
| Median Home Value | $268,131 |
| Average Home Value | $309,869 |
Housing Distribution
Address Breakdown
Residential
4,067
Single Family
2,921
Multi-Family
1,146
Businesses
376
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 1956
5,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60534, Lyons, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,364 (100%) |
| Owner Occupied HU | 2,529 (58.0%) |
| Renter Occupied HU | 1,521 (34.9%) |
| Vacant Housing Units | 314 ( 7.2%) |
| Median Home Value | $268,131 |
| Average Home Value | $309,869 |
Housing Distribution
Address Breakdown
Residential
4,067
Single Family
2,921
Multi-Family
1,146
Businesses
376
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices