7075 Thomas DrLoves ParkIL61111
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $264,900, 7075 Thomas Dr, Loves Park, IL, 61111 in Loves Park generates $1,903/mo in rent (8.62% yield) but nets only $66/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.60) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $73,187. Total projected return: $105,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 8.0% |
| Monthly Cash Flow | $66 | $200 |
City averages based on Loves Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,903 |
| Total Monthly Debt Service | $1,732 |
| DSCR Ratio | 1.10x |
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 1994
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61111, Loves Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,578 (100%) |
| Owner Occupied HU | 6,876 (65.0%) |
| Renter Occupied HU | 3,248 (30.7%) |
| Vacant Housing Units | 454 ( 4.3%) |
| Median Home Value | $166,525 |
| Average Home Value | $191,823 |
Housing Distribution
Address Breakdown
Residential
10,594
Single Family
10,170
Multi-Family
424
Businesses
1,016
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 1994
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61111, Loves Park, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,578 (100%) |
| Owner Occupied HU | 6,876 (65.0%) |
| Renter Occupied HU | 3,248 (30.7%) |
| Vacant Housing Units | 454 ( 4.3%) |
| Median Home Value | $166,525 |
| Average Home Value | $191,823 |
Housing Distribution
Address Breakdown
Residential
10,594
Single Family
10,170
Multi-Family
424
Businesses
1,016
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scot Craig • Gambino Realtors
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls ID: #202600890