5012 Upland DrRockfordIL61108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5012 Upland Dr, Rockford, IL, 61108 in Rockford at $139,900 earns $1,077/mo in rent and nets $107/mo after the $629/mo payment, a 9.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,652 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,288/yr in principal paydown, total projected return reaches $60,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 9.2% |
| Monthly Cash Flow | $107 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,077 |
| Total Monthly Debt Service | $915 |
| DSCR Ratio | 1.18x |
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 1963
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61108, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,778 (100%) |
| Owner Occupied HU | 8,046 (63.0%) |
| Renter Occupied HU | 3,978 (31.1%) |
| Vacant Housing Units | 754 ( 5.9%) |
| Median Home Value | $138,727 |
| Average Home Value | $161,685 |
Housing Distribution
Address Breakdown
Residential
12,217
Single Family
11,058
Multi-Family
1,159
Businesses
1,151
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 1963
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61108, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,778 (100%) |
| Owner Occupied HU | 8,046 (63.0%) |
| Renter Occupied HU | 3,978 (31.1%) |
| Vacant Housing Units | 754 ( 5.9%) |
| Median Home Value | $138,727 |
| Average Home Value | $161,685 |
Housing Distribution
Address Breakdown
Residential
12,217
Single Family
11,058
Multi-Family
1,159
Businesses
1,151
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices