628 S 19th StBellevilleIL62226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 628 S 19th St, Belleville, IL, 62226 in Belleville is narrow, $100/mo net on $1,088/mo rent after the $641/mo debt service, but the property operates at break-even-plus, not a loss. At $142,500 with a 9.16% yield, the long-run equity case via 5% appreciation ($39,370 over five years) and $1,312/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $60,941.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 4.8% |
| Monthly Cash Flow | $100 | $520 |
City averages based on Belleville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,088 |
| Total Monthly Debt Service | $932 |
| DSCR Ratio | 1.17x |
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 1905
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62226, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,499 (100%) |
| Owner Occupied HU | 8,318 (57.4%) |
| Renter Occupied HU | 4,615 (31.8%) |
| Vacant Housing Units | 1,566 (10.8%) |
| Median Home Value | $201,090 |
| Average Home Value | $231,123 |
Housing Distribution
Address Breakdown
Residential
12,949
Single Family
11,666
Multi-Family
1,283
Businesses
755
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 1905
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62226, Belleville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,499 (100%) |
| Owner Occupied HU | 8,318 (57.4%) |
| Renter Occupied HU | 4,615 (31.8%) |
| Vacant Housing Units | 1,566 (10.8%) |
| Median Home Value | $201,090 |
| Average Home Value | $231,123 |
Housing Distribution
Address Breakdown
Residential
12,949
Single Family
11,666
Multi-Family
1,283
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26015267