610 Deer Circle DrCarlyleIL62231
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 610 Deer Circle Dr, Carlyle, IL, 62231 in Carlyle: $3,208/mo in rent, $527/mo in net income, 9.96% gross yield, 1.85 DSCR, all at $386,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,783 in appreciation and $3,560/yr in principal paydown projects total cumulative return of $181,721.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 8.0% |
| Monthly Cash Flow | $527 | $200 |
City averages based on Carlyle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,208 |
| Total Monthly Debt Service | $2,527 |
| DSCR Ratio | 1.27x |
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 1994
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
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 1994
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62231, Carlyle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,710 (100%) |
| Owner Occupied HU | 2,505 (67.5%) |
| Renter Occupied HU | 593 (16.0%) |
| Vacant Housing Units | 612 (16.5%) |
| Median Home Value | $184,505 |
| Average Home Value | $212,436 |
Housing Distribution
Address Breakdown
Residential
3,130
Single Family
3,085
Multi-Family
45
Businesses
249
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices