615 HenriettaDivernonIL62530
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 615 Henrietta, Divernon, IL, 62530 in Divernon is the 1.52 coverage ratio: rent of $1,148/mo versus a $755/mo debt payment on a $168,000 property. Rental yield 8.2%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $46,415 by year five, with $1,547/yr in equity from paydown. Total projected cumulative return: $63,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $(17) | $200 |
City averages based on Divernon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,148 |
| Total Monthly Debt Service | $1,098 |
| DSCR Ratio | 1.05x |
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 1975
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62530, Divernon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 665 (100%) |
| Owner Occupied HU | 482 (72.5%) |
| Renter Occupied HU | 138 (20.8%) |
| Vacant Housing Units | 45 ( 6.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $195,607 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
35
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 1975
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62530, Divernon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 665 (100%) |
| Owner Occupied HU | 482 (72.5%) |
| Renter Occupied HU | 138 (20.8%) |
| Vacant Housing Units | 45 ( 6.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $195,607 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Gibler • The Real Estate Group, Inc.
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #CA1036020
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.