504 W Center StBrightonIL62012
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Brighton rentals match the income profile of 504 W Center St, Brighton, IL, 62012. Listed at $109,900, gross rent is $1,542/mo and net cash flow is $682/mo, a 16.84% yield well above national averages. DSCR 3.12 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $30,363 by year five with $1,012/yr in annual principal reduction, projecting $86,356 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.8% | 6.0% |
| Monthly Cash Flow | $682 | $300 |
City averages based on Brighton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,542 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.89x |
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 1957
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62012, Brighton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,794 (100%) |
| Owner Occupied HU | 2,283 (81.7%) |
| Renter Occupied HU | 300 (10.7%) |
| Vacant Housing Units | 211 ( 7.6%) |
| Median Home Value | $183,850 |
| Average Home Value | $215,324 |
Housing Distribution
Address Breakdown
Residential
2,566
Single Family
2,542
Multi-Family
24
Businesses
101
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 1957
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62012, Brighton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,794 (100%) |
| Owner Occupied HU | 2,283 (81.7%) |
| Renter Occupied HU | 300 (10.7%) |
| Vacant Housing Units | 211 ( 7.6%) |
| Median Home Value | $183,850 |
| Average Home Value | $215,324 |
Housing Distribution
Address Breakdown
Residential
2,566
Single Family
2,542
Multi-Family
24
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices