515 S Elm StSesserIL62884
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Sesser rental at 515 S Elm St, Sesser, IL, 62884 sits in the solid-income band: 10.25% gross yield, $1,178/mo rent, $221/mo net after the $621/mo debt service, DSCR 1.90. Entry price of $138,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $38,127 and $1,271/yr in principal reduction bring total cumulative return to $67,000.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.0% |
| Monthly Cash Flow | $221 | $250 |
City averages based on Sesser market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,178 |
| Total Monthly Debt Service | $902 |
| DSCR Ratio | 1.31x |
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 1947
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62884, Sesser, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,404 (100%) |
| Owner Occupied HU | 1,025 (73.0%) |
| Renter Occupied HU | 258 (18.4%) |
| Vacant Housing Units | 121 ( 8.6%) |
| Median Home Value | $122,833 |
| Average Home Value | $152,480 |
Housing Distribution
Address Breakdown
Residential
1,116
Single Family
1,116
Multi-Family
0
Businesses
77
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 1947
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62884, Sesser, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,404 (100%) |
| Owner Occupied HU | 1,025 (73.0%) |
| Renter Occupied HU | 258 (18.4%) |
| Vacant Housing Units | 121 ( 8.6%) |
| Median Home Value | $122,833 |
| Average Home Value | $152,480 |
Housing Distribution
Address Breakdown
Residential
1,116
Single Family
1,116
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices