455 N Joyce StLombardIL60148
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 455 N Joyce St, Lombard, IL, 60148 in Lombard earns a 9.49% gross yield at $449,000. Rent of $3,551/mo nets $436/mo after the $2,128/mo mortgage. The 1.67 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $124,050 and $3,764/yr in equity accumulation project a total cumulative return of $191,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $436 | $300 |
City averages based on Lombard market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,551 |
| Total Monthly Debt Service | $3,045 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1962
7,860 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60148, Lombard, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,872 (100%) |
| Owner Occupied HU | 15,176 (66.4%) |
| Renter Occupied HU | 6,456 (28.2%) |
| Vacant Housing Units | 1,240 ( 5.4%) |
| Median Home Value | $357,055 |
| Average Home Value | $390,991 |
Housing Distribution
Address Breakdown
Residential
22,434
Single Family
15,389
Multi-Family
7,045
Businesses
2,092
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
