565 Clayton CirSycamoreIL60178
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 565 Clayton Cir, Sycamore, IL, 60178 in Sycamore. Priced at $194,900, it generates $2,196/mo in gross rent and $844/mo in net monthly cash flow, a 13.52% yield that comfortably supports the 2.51 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,130. Five-year appreciation: $53,847. Equity from principal paydown: $1,795/yr. Total projected cumulative return: $128,932.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 6.0% |
| Monthly Cash Flow | $844 | $1,500 |
City averages based on Sycamore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,196 |
| Total Monthly Debt Service | $1,274 |
| DSCR Ratio | 1.72x |
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.
Townhouse
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60178, Sycamore, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,574 (100%) |
| Owner Occupied HU | 6,596 (68.9%) |
| Renter Occupied HU | 2,621 (27.4%) |
| Vacant Housing Units | 357 ( 3.7%) |
| Median Home Value | $282,093 |
| Average Home Value | $299,103 |
Housing Distribution
Address Breakdown
Residential
9,395
Single Family
8,862
Multi-Family
533
Businesses
816
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
Townhouse
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60178, Sycamore, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,574 (100%) |
| Owner Occupied HU | 6,596 (68.9%) |
| Renter Occupied HU | 2,621 (27.4%) |
| Vacant Housing Units | 357 ( 3.7%) |
| Median Home Value | $282,093 |
| Average Home Value | $299,103 |
Housing Distribution
Address Breakdown
Residential
9,395
Single Family
8,862
Multi-Family
533
Businesses
816
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices