4795 Radom RdAshleyIL62831
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4795 Radom Rd, Ashley, IL, 62831 in Ashley hard to pass up. The 13.22% gross yield on a $148,900 purchase results in $1,640/mo in rent and $608/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.45). Annual cash flow of $7,291, five-year appreciation of $41,138, and $1,371/yr in equity build-up combine for a projected total cumulative return of $95,983.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 6.2% |
| Monthly Cash Flow | $608 | $1,800 |
City averages based on Ashley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,640 |
| Total Monthly Debt Service | $974 |
| DSCR Ratio | 1.68x |
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 1960
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62831, Du Bois, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 361 (100%) |
| Owner Occupied HU | 294 (81.4%) |
| Renter Occupied HU | 37 (10.2%) |
| Vacant Housing Units | 30 ( 8.3%) |
| Median Home Value | $143,519 |
| Average Home Value | $179,218 |
Housing Distribution
Address Breakdown
Residential
231
Single Family
231
Multi-Family
0
Businesses
11
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 1960
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62831, Du Bois, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 361 (100%) |
| Owner Occupied HU | 294 (81.4%) |
| Renter Occupied HU | 37 (10.2%) |
| Vacant Housing Units | 30 ( 8.3%) |
| Median Home Value | $143,519 |
| Average Home Value | $179,218 |
Housing Distribution
Address Breakdown
Residential
231
Single Family
231
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices