5840 S Elmoville RdStocktonIL61085
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 5840 S Elmoville Rd, Stockton, IL, 61085 in Stockton is capital appreciation. Rental yield 0.53%. The 0.53% gross yield at $1,149,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $317,448 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.10) without U.S. credit history; structure with a larger down payment to optimise coverage.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.5% | 8.0% |
| Monthly Cash Flow | $(7,461) | $200 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $509 |
| Total Monthly Debt Service | $7,513 |
| DSCR Ratio | 0.07x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2008
40.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61085, Stockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 1,132 (67.0%) |
| Renter Occupied HU | 287 (17.0%) |
| Vacant Housing Units | 270 (16.0%) |
| Median Home Value | $150,763 |
| Average Home Value | $188,500 |
Housing Distribution
Address Breakdown
Residential
1,436
Single Family
1,407
Multi-Family
29
Businesses
149
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 2008
40.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61085, Stockton, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 1,132 (67.0%) |
| Renter Occupied HU | 287 (17.0%) |
| Vacant Housing Units | 270 (16.0%) |
| Median Home Value | $150,763 |
| Average Home Value | $188,500 |
Housing Distribution
Address Breakdown
Residential
1,436
Single Family
1,407
Multi-Family
29
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BRANDON BEYER • Jim Sullivan Realty
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202502012
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