5840 McCarty RdKinmundyIL62854
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 5840 McCarty Rd, Kinmundy, IL, 62854 in Kinmundy delivers $1,873/mo in gross rent and $382/mo in net monthly income at a $215,000 entry. The 10.46% yield and 1.94 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $59,401 over five years and $1,980/yr in equity from loan paydown, total projected return is $106,828.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $382 | $100 |
City averages based on Kinmundy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,873 |
| Total Monthly Debt Service | $1,406 |
| DSCR Ratio | 1.33x |
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
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62854, Kinmundy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 558 (75.7%) |
| Renter Occupied HU | 104 (14.1%) |
| Vacant Housing Units | 75 (10.2%) |
| Median Home Value | $126,220 |
| Average Home Value | $188,925 |
Housing Distribution
Address Breakdown
Residential
646
Single Family
646
Multi-Family
0
Businesses
42
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
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62854, Kinmundy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 558 (75.7%) |
| Renter Occupied HU | 104 (14.1%) |
| Vacant Housing Units | 75 (10.2%) |
| Median Home Value | $126,220 |
| Average Home Value | $188,925 |
Housing Distribution
Address Breakdown
Residential
646
Single Family
646
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices