620 E Livingston StMonticelloIL61856








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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


Investment Highlights
Investment property for sale in Monticello at 620 E Livingston St, Monticello, IL, 61856 earns $1,257/mo cash flow from $2,377/mo rent with a $790/mo payment. Total monthly income totals $2,377/mo, and annual cash flow totals $15,089/yr on $53,520 capital. ROI tracks 48.1% on current figures, and rental yield reads 17.67% at a $161,448 purchase. Equity gained on principal adds $1,042/yr, and 5% annual appreciation supports $44,605 over five years. Five-year ROI reaches 255.05% and total cumulative return in cash sums $136,500. Financing can be set up with Ziffy Mortgage’s DSCR loan, which is driven by $2,377/mo property income instead of your personal income.
Single Family
Built in 1957
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61856, Monticello, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,665 (76.8%) |
| Renter Occupied HU | 586 (16.9%) |
| Vacant Housing Units | 220 ( 6.3%) |
| Median Home Value | $218,269 |
| Average Home Value | $250,692 |
Housing Distribution
Address Breakdown
Residential
3,379
Single Family
3,206
Multi-Family
173
Businesses
337
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