5104 Finlen LnBloomingtonIL61705
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 5104 Finlen Ln, Bloomington, IL, 61705 in Bloomington is a conservative rental investment at $690,000. Rental yield 6%. A 1.11 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $190,634; $6,355/yr in principal paydown supplements. Total projected return: $177,810.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.5% |
| Monthly Cash Flow | $(1,338) | $450 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,448 |
| Total Monthly Debt Service | $4,511 |
| DSCR Ratio | 0.76x |
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 2023
10,452 sqft lot
$N/A/sqft
No HOA
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 2023
10,452 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deb Connor • Coldwell Banker Real Estate Group
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12519772