5430 N River RdByronIL61010
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 5430 N River Rd, Byron, IL, 61010 in Byron is listed at $267,000 and delivers $2,160/mo in rent and $308/mo in net monthly cash flow. The 9.71% yield and 1.80 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $73,767 over five years, and $2,459/yr in principal reduction supplements cash return. Total projected cumulative return: $121,924.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $308 | $250 |
City averages based on Byron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,746 |
| DSCR Ratio | 1.24x |
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 2010
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61010, Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 2,309 (75.1%) |
| Renter Occupied HU | 558 (18.2%) |
| Vacant Housing Units | 207 ( 6.7%) |
| Median Home Value | $235,309 |
| Average Home Value | $274,097 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,900
Multi-Family
0
Businesses
173
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 2010
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61010, Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 2,309 (75.1%) |
| Renter Occupied HU | 558 (18.2%) |
| Vacant Housing Units | 207 ( 6.7%) |
| Median Home Value | $235,309 |
| Average Home Value | $274,097 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,900
Multi-Family
0
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brooke Wilke • Best Realty
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202502196
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.