487 S Hoisington RdPecatonicaIL61063
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.44% gross rental yield, 487 S Hoisington Rd, Pecatonica, IL, 61063 in Pecatonica is priced for capital growth, not immediate cash flow. The $200,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $55,256 by year five, with $1,842/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.27) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $2,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 6.0% |
| Monthly Cash Flow | $(1,147) | $300 |
City averages based on Pecatonica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $240 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 0.18x |
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.
Single Family
Built in 1880
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
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 1880
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61063, Pecatonica, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,786 (100%) |
| Owner Occupied HU | 1,378 (77.2%) |
| Renter Occupied HU | 304 (17.0%) |
| Vacant Housing Units | 104 ( 5.8%) |
| Median Home Value | $187,202 |
| Average Home Value | $224,175 |
Housing Distribution
Address Breakdown
Residential
1,277
Single Family
1,261
Multi-Family
16
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices