628-630 Allison CirByronIL61010
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 628-630 Allison Cir, Byron, IL, 61010 in Byron achieves a 1.51 ratio at $250,000: $1,692/mo rent versus $1,124/mo debt service. Rental yield 8.12%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.12% yield compounds alongside 5% annual appreciation projecting $69,070 in value. Total projected cumulative return: $92,941.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(42) | $250 |
City averages based on Byron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,692 |
| Total Monthly Debt Service | $1,635 |
| DSCR Ratio | 1.04x |
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.
Multi Family
Built in 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61010, Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 2,309 (75.1%) |
| Renter Occupied HU | 558 (18.2%) |
| Vacant Housing Units | 207 ( 6.7%) |
| Median Home Value | $235,309 |
| Average Home Value | $274,097 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,900
Multi-Family
0
Businesses
173
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
Multi Family
Built in 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61010, Byron, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 2,309 (75.1%) |
| Renter Occupied HU | 558 (18.2%) |
| Vacant Housing Units | 207 ( 6.7%) |
| Median Home Value | $235,309 |
| Average Home Value | $274,097 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,900
Multi-Family
0
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices