4966 Brigadoon RdRockfordIL61107
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4966 Brigadoon Rd, Rockford, IL, 61107 in Rockford at $309,900 earns $2,156/mo in rent and nets $6/mo after the $1,394/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,620 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,854/yr in principal paydown, total projected return reaches $118,935.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 9.2% |
| Monthly Cash Flow | $6 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $2,026 |
| DSCR Ratio | 1.06x |
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 1967
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61107, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,409 (100%) |
| Owner Occupied HU | 8,901 (61.8%) |
| Renter Occupied HU | 4,531 (31.4%) |
| Vacant Housing Units | 977 ( 6.8%) |
| Median Home Value | $188,527 |
| Average Home Value | $224,860 |
Housing Distribution
Address Breakdown
Residential
13,703
Single Family
12,131
Multi-Family
1,572
Businesses
702
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 1967
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61107, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,409 (100%) |
| Owner Occupied HU | 8,901 (61.8%) |
| Renter Occupied HU | 4,531 (31.4%) |
| Vacant Housing Units | 977 ( 6.8%) |
| Median Home Value | $188,527 |
| Average Home Value | $224,860 |
Housing Distribution
Address Breakdown
Residential
13,703
Single Family
12,131
Multi-Family
1,572
Businesses
702
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices