6262 N Eggert RdRock CityIL61070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6262 N Eggert Rd, Rock City, IL, 61070 in Rock City is capital appreciation. Rental yield 5.5%. The 5.5% gross yield at $447,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $123,747 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.02) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $103,567.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,052) | $300 |
City averages based on Rock City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,054 |
| Total Monthly Debt Service | $2,929 |
| DSCR Ratio | 0.70x |
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 1986
4.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61070, Rock City, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 448 (100%) |
| Owner Occupied HU | 359 (80.1%) |
| Renter Occupied HU | 73 (16.3%) |
| Vacant Housing Units | 16 ( 3.6%) |
| Median Home Value | $214,329 |
| Average Home Value | $232,019 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
17
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 1986
4.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61070, Rock City, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 448 (100%) |
| Owner Occupied HU | 359 (80.1%) |
| Renter Occupied HU | 73 (16.3%) |
| Vacant Housing Units | 16 ( 3.6%) |
| Median Home Value | $214,329 |
| Average Home Value | $232,019 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices