705 W Kirby AveChampaignIL61820
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 705 W Kirby Ave, Champaign, IL, 61820 in Champaign aligned with their strategy. Rental yield 7.75%. DSCR 1.44 and 7.75% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $3,591/yr in paydown build toward a projected cumulative return of $137,189.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.8% |
| Monthly Cash Flow | $(185) | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,519 |
| Total Monthly Debt Service | $2,549 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1955
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
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 1955
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61820, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,852 (100%) |
| Owner Occupied HU | 3,150 (15.9%) |
| Renter Occupied HU | 14,193 (71.5%) |
| Vacant Housing Units | 2,509 (12.6%) |
| Median Home Value | $196,218 |
| Average Home Value | $258,415 |
Housing Distribution
Address Breakdown
Residential
18,926
Single Family
7,064
Multi-Family
11,862
Businesses
1,745
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices