6867 N Eggert RdRock CityIL61070
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 6867 N Eggert Rd, Rock City, IL, 61070 in Rock City: $1,462/mo in rent, $317/mo in net income, 10.63% gross yield, 1.97 DSCR, all at $165,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $45,586 in appreciation and $1,520/yr in principal paydown projects total cumulative return of $83,582.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $317 | $300 |
City averages based on Rock City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,462 |
| Total Monthly Debt Service | $1,079 |
| DSCR Ratio | 1.36x |
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 1979
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61070, Rock City, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 448 (100%) |
| Owner Occupied HU | 359 (80.1%) |
| Renter Occupied HU | 73 (16.3%) |
| Vacant Housing Units | 16 ( 3.6%) |
| Median Home Value | $214,329 |
| Average Home Value | $232,019 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
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 1979
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61070, Rock City, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 448 (100%) |
| Owner Occupied HU | 359 (80.1%) |
| Renter Occupied HU | 73 (16.3%) |
| Vacant Housing Units | 16 ( 3.6%) |
| Median Home Value | $214,329 |
| Average Home Value | $232,019 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices