5288 Pepper DrRockfordIL61114
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 5288 Pepper Dr, Rockford, IL, 61114 in Rockford is narrow, $51/mo net on $2,305/mo rent after the $1,461/mo debt service, but the property operates at break-even-plus, not a loss. At $324,999 with a 8.51% yield, the long-run equity case via 5% appreciation ($89,791 over five years) and $2,993/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.58 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $127,613.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 9.2% |
| Monthly Cash Flow | $51 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,305 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 1.08x |
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 1985
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61114, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,890 (71.1%) |
| Renter Occupied HU | 1,658 (24.1%) |
| Vacant Housing Units | 332 ( 4.8%) |
| Median Home Value | $241,400 |
| Average Home Value | $257,532 |
Housing Distribution
Address Breakdown
Residential
6,697
Single Family
5,949
Multi-Family
748
Businesses
263
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 1985
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61114, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,890 (71.1%) |
| Renter Occupied HU | 1,658 (24.1%) |
| Vacant Housing Units | 332 ( 4.8%) |
| Median Home Value | $241,400 |
| Average Home Value | $257,532 |
Housing Distribution
Address Breakdown
Residential
6,697
Single Family
5,949
Multi-Family
748
Businesses
263
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices