640 Verkler DrBonfieldIL60913
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 640 Verkler Dr, Bonfield, IL, 60913 in Bonfield at $199,900 earns $1,483/mo in rent and nets $97/mo after the $899/mo payment, a 8.9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,229 over five years. Ziffy Mortgage underwrites this on a 1.65 DSCR without U.S. credit history. With $1,841/yr in principal paydown, total projected return reaches $82,658.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 8.0% |
| Monthly Cash Flow | $97 | $300 |
City averages based on Bonfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,483 |
| Total Monthly Debt Service | $1,307 |
| DSCR Ratio | 1.13x |
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 1985
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60913, Bonfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 630 (100%) |
| Owner Occupied HU | 524 (83.2%) |
| Renter Occupied HU | 84 (13.3%) |
| Vacant Housing Units | 22 ( 3.5%) |
| Median Home Value | $288,667 |
| Average Home Value | $302,810 |
Housing Distribution
Address Breakdown
Residential
510
Single Family
510
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 1985
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60913, Bonfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 630 (100%) |
| Owner Occupied HU | 524 (83.2%) |
| Renter Occupied HU | 84 (13.3%) |
| Vacant Housing Units | 22 ( 3.5%) |
| Median Home Value | $288,667 |
| Average Home Value | $302,810 |
Housing Distribution
Address Breakdown
Residential
510
Single Family
510
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices