4869 Arbor CtDecaturIL62526
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 4869 Arbor Ct, Decatur, IL, 62526 in Decatur is a conservative rental investment at $182,500. Rental yield 6.49%. A 1.20 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $50,421; $1,681/yr in principal paydown supplements. Total projected return: $38,892.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 8.0% |
| Monthly Cash Flow | $(494) | $300 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $986 |
| Total Monthly Debt Service | $1,408 |
| DSCR Ratio | 0.70x |
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.
Condo
Built in 1996
16.72 Acres lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62526, Decatur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,051 (100%) |
| Owner Occupied HU | 8,507 (53.0%) |
| Renter Occupied HU | 5,728 (35.7%) |
| Vacant Housing Units | 1,816 (11.3%) |
| Median Home Value | $95,635 |
| Average Home Value | $124,329 |
Housing Distribution
Address Breakdown
Residential
14,951
Single Family
12,539
Multi-Family
2,412
Businesses
1,015
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
Condo
Built in 1996
16.72 Acres lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62526, Decatur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,051 (100%) |
| Owner Occupied HU | 8,507 (53.0%) |
| Renter Occupied HU | 5,728 (35.7%) |
| Vacant Housing Units | 1,816 (11.3%) |
| Median Home Value | $95,635 |
| Average Home Value | $124,329 |
Housing Distribution
Address Breakdown
Residential
14,951
Single Family
12,539
Multi-Family
2,412
Businesses
1,015
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
