5S455 Scots Dr APT FNapervilleIL60563
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 5S455 Scots Dr APT F, Naperville, IL, 60563 in Naperville. At $290,000 it earns $2,642/mo in rent and distributes $253/mo to the owner after the $1,304/mo payment, a consistent 10.93% yield. DSCR 2.03 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $80,122 in value; $2,671/yr in principal paydown compounds ownership stake. Total projected return: $151,472.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 5.1% |
| Monthly Cash Flow | $253 | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,642 |
| Total Monthly Debt Service | $1,896 |
| DSCR Ratio | 1.39x |
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.
Condo
Built in 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60563, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,517 (100%) |
| Owner Occupied HU | 9,097 (51.9%) |
| Renter Occupied HU | 7,498 (42.8%) |
| Vacant Housing Units | 922 ( 5.3%) |
| Median Home Value | $454,249 |
| Average Home Value | $500,528 |
Housing Distribution
Address Breakdown
Residential
17,051
Single Family
11,066
Multi-Family
5,985
Businesses
1,980
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
Condo
Built in 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60563, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,517 (100%) |
| Owner Occupied HU | 9,097 (51.9%) |
| Renter Occupied HU | 7,498 (42.8%) |
| Vacant Housing Units | 922 ( 5.3%) |
| Median Home Value | $454,249 |
| Average Home Value | $500,528 |
Housing Distribution
Address Breakdown
Residential
17,051
Single Family
11,066
Multi-Family
5,985
Businesses
1,980
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Varun Malhotra • Listing Leaders Northwest, Inc
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12548710