5435 Hickory Ridge RdPomonaIL62975
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 5435 Hickory Ridge Rd, Pomona, IL, 62975 in Pomona is listed at $295,000 and delivers $2,501/mo in rent and $455/mo in net monthly cash flow. The 10.17% yield and 1.88 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 $81,503 over five years, and $2,717/yr in principal reduction supplements cash return. Total projected cumulative return: $142,074.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.0% |
| Monthly Cash Flow | $455 | $150 |
City averages based on Pomona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,501 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 1.30x |
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 2018
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62975, Pomona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 109 (100%) |
| Owner Occupied HU | 84 (77.1%) |
| Renter Occupied HU | 18 (16.5%) |
| Vacant Housing Units | 7 ( 6.4%) |
| Median Home Value | $141,667 |
| Average Home Value | $194,226 |
Housing Distribution
Address Breakdown
Residential
148
Single Family
148
Multi-Family
0
Businesses
4
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 2018
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62975, Pomona, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 109 (100%) |
| Owner Occupied HU | 84 (77.1%) |
| Renter Occupied HU | 18 (16.5%) |
| Vacant Housing Units | 7 ( 6.4%) |
| Median Home Value | $141,667 |
| Average Home Value | $194,226 |
Housing Distribution
Address Breakdown
Residential
148
Single Family
148
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices