521 S Lincoln StDivernonIL62530
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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
Investment Highlights
Rental property for sale in Divernon at 521 S Lincoln St, Divernon, IL, 62530 priced at $120,000 converts $901/mo rent into $69/mo cash flow after a $587/mo obligation. Total monthly income equals $901/mo, and annual cash flow totals $828/yr on $39,780 invested. Return on cash invested prints 21.99% in year one, and rental yield reads 9.01% against a $120,000 entry. Equity gained on principal adds $774/yr, while 5% annual appreciation compiles into $33,154 by year five. Five-year ROI reaches 114.98% and total cumulative return in cash sums $45,739. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $901/mo property income covering a $587/mo payment, not borrower’s personal income.
Single Family
Built in N/A
7,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62530, Divernon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 665 (100%) |
| Owner Occupied HU | 482 (72.5%) |
| Renter Occupied HU | 138 (20.8%) |
| Vacant Housing Units | 45 ( 6.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $195,607 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
35
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