4634 S Sawyer AveChicagoIL60632
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4634 S Sawyer Ave, Chicago, IL, 60632 in Chicago is capital appreciation. Rental yield 5.91%. The 5.91% gross yield at $438,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $121,011 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.10) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $110,936.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.1% |
| Monthly Cash Flow | $(879) | $850 |
City averages based on Chicago market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,159 |
| Total Monthly Debt Service | $2,864 |
| DSCR Ratio | 0.75x |
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.
Multi Family
Built in 1923
3,813 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60632, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,040 (100%) |
| Owner Occupied HU | 13,682 (48.8%) |
| Renter Occupied HU | 12,269 (43.8%) |
| Vacant Housing Units | 2,089 ( 7.5%) |
| Median Home Value | $260,945 |
| Average Home Value | $298,300 |
Housing Distribution
Address Breakdown
Residential
18,494
Single Family
16,437
Multi-Family
2,057
Businesses
1,600
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
Multi Family
Built in 1923
3,813 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60632, Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,040 (100%) |
| Owner Occupied HU | 13,682 (48.8%) |
| Renter Occupied HU | 12,269 (43.8%) |
| Vacant Housing Units | 2,089 ( 7.5%) |
| Median Home Value | $260,945 |
| Average Home Value | $298,300 |
Housing Distribution
Address Breakdown
Residential
18,494
Single Family
16,437
Multi-Family
2,057
Businesses
1,600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices