694 County Road 105 EBlufordIL62814
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 694 County Road 105 E, Bluford, IL, 62814 in Bluford at $164,999 earns $1,164/mo in rent and nets $20/mo after the $742/mo payment, a 8.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $45,586 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $1,520/yr in principal paydown, total projected return reaches $64,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $20 | $200 |
City averages based on Bluford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,164 |
| Total Monthly Debt Service | $1,079 |
| DSCR Ratio | 1.08x |
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 N/A
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62814, Bluford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 666 (79.9%) |
| Renter Occupied HU | 94 (11.3%) |
| Vacant Housing Units | 74 ( 8.9%) |
| Median Home Value | $122,917 |
| Average Home Value | $158,506 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
37
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 N/A
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62814, Bluford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 666 (79.9%) |
| Renter Occupied HU | 94 (11.3%) |
| Vacant Housing Units | 74 ( 8.9%) |
| Median Home Value | $122,917 |
| Average Home Value | $158,506 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices