630 W South St APT APontiacIL61764
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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
Rental property for sale in Pontiac at 630 W South St APT A, Pontiac, IL, 61764 offers $1,093/mo rent that, after a $685/mo payment, leaves $122/mo cash flow. Total monthly income is $1,093/mo, and annual cash flow is $1,466/yr on $46,410 cash. Return on cash invested measures 23.07% in year one, and rental yield stands at 9.37% at a $140,000 entry. Equity gained on principal adds $903/yr while 5% annual appreciation compounds into $38,679 by year five. Five-year ROI records 120.85% and total cumulative return in cash reaches $56,086. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $1,093/mo property income versus a $685/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.
Single Family
Built in 1996
3,618 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61764, Pontiac, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,700 (62.3%) |
| Renter Occupied HU | 1,677 (28.2%) |
| Vacant Housing Units | 560 ( 9.4%) |
| Median Home Value | $143,224 |
| Average Home Value | $185,956 |
Housing Distribution
Address Breakdown
Residential
5,297
Single Family
4,736
Multi-Family
561
Businesses
481
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