7 Holly LnFloraIL62839
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 7 Holly Ln, Flora, IL, 62839 in Flora is narrow, $83/mo net on $839/mo rent after the $490/mo debt service, but the property operates at break-even-plus, not a loss. At $109,000 with a 9.24% yield, the long-run equity case via 5% appreciation ($30,115 over five years) and $1,004/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $47,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $83 | $300 |
City averages based on Flora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $839 |
| Total Monthly Debt Service | $713 |
| DSCR Ratio | 1.18x |
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 1965
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62839, Flora, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,974 (66.2%) |
| Renter Occupied HU | 691 (23.2%) |
| Vacant Housing Units | 318 (10.7%) |
| Median Home Value | $120,905 |
| Average Home Value | $192,720 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,726
Multi-Family
50
Businesses
312
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 1965
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62839, Flora, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,974 (66.2%) |
| Renter Occupied HU | 691 (23.2%) |
| Vacant Housing Units | 318 (10.7%) |
| Median Home Value | $120,905 |
| Average Home Value | $192,720 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,726
Multi-Family
50
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices