632 Wiese LnSaint LiboryIL62282
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 632 Wiese Ln, Saint Libory, IL, 62282 in Saint Libory is capital appreciation. Rental yield 4.6%. The 4.6% gross yield at $336,265 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $92,904 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.85) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $61,545.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 8.0% |
| Monthly Cash Flow | $(1,042) | $1,200 |
City averages based on Saint Libory market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,290 |
| Total Monthly Debt Service | $2,199 |
| DSCR Ratio | 0.59x |
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 2025
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62282, Saint Libory, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 37 (14.0%) |
| Vacant Housing Units | 20 ( 7.6%) |
| Median Home Value | $297,917 |
| Average Home Value | $307,609 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
20
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 2025
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62282, Saint Libory, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 37 (14.0%) |
| Vacant Housing Units | 20 ( 7.6%) |
| Median Home Value | $297,917 |
| Average Home Value | $307,609 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheyenne Hughes • RE/MAX Preferred
Mls Name: MARIS
Mls ID: #25051643