671 S Stowe StVirginiaIL62691
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 671 S Stowe St, Virginia, IL, 62691 in Virginia at $149,900 earns $1,124/mo in rent and nets $84/mo after the $711/mo payment, a 9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,415 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $1,257/yr in principal paydown, total projected return reaches $59,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $84 | $250 |
City averages based on Virginia market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,124 |
| Total Monthly Debt Service | $1,017 |
| DSCR Ratio | 1.11x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1955
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62691, Virginia, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,089 (100%) |
| Owner Occupied HU | 762 (70.0%) |
| Renter Occupied HU | 187 (17.2%) |
| Vacant Housing Units | 140 (12.9%) |
| Median Home Value | $129,412 |
| Average Home Value | $193,094 |
Housing Distribution
Address Breakdown
Residential
1,007
Single Family
1,001
Multi-Family
6
Businesses
84
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
