52 E Saint Louis StHoyletonIL62803
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 52 E Saint Louis St, Hoyleton, IL, 62803 in Hoyleton: $1,075/mo in rent, $208/mo in net income, 10.32% gross yield, 1.91 DSCR, all at $125,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $34,535 in appreciation and $1,151/yr in principal paydown projects total cumulative return of $61,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $208 | $300 |
City averages based on Hoyleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,075 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 1.32x |
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62803, Hoyleton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 401 (100%) |
| Owner Occupied HU | 321 (80.0%) |
| Renter Occupied HU | 56 (14.0%) |
| Vacant Housing Units | 24 ( 6.0%) |
| Median Home Value | $178,750 |
| Average Home Value | $305,919 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
360
Multi-Family
0
Businesses
23
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62803, Hoyleton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 401 (100%) |
| Owner Occupied HU | 321 (80.0%) |
| Renter Occupied HU | 56 (14.0%) |
| Vacant Housing Units | 24 ( 6.0%) |
| Median Home Value | $178,750 |
| Average Home Value | $305,919 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
360
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices