504 Stilson StEarlvilleIL60518
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 504 Stilson St, Earlville, IL, 60518 in Earlville delivers $2,393/mo in gross rent and $416/mo in net monthly income at a $285,000 entry. The 10.07% yield and 1.87 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $78,740 over five years and $2,625/yr in equity from loan paydown, total projected return is $135,791.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $416 | $300 |
City averages based on Earlville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,393 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.28x |
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 1894
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
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 1894
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60518, Earlville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,515 (100%) |
| Owner Occupied HU | 1,061 (70.0%) |
| Renter Occupied HU | 316 (20.9%) |
| Vacant Housing Units | 138 ( 9.1%) |
| Median Home Value | $191,532 |
| Average Home Value | $225,021 |
Housing Distribution
Address Breakdown
Residential
1,249
Single Family
1,246
Multi-Family
3
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices