72 Michele DrPawneeIL62558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 72 Michele Dr, Pawnee, IL, 62558 in Pawnee at $190,000 earns $1,454/mo in rent and nets $136/mo after the $901/mo payment, a 9.18% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,494 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $1,593/yr in principal paydown, total projected return reaches $77,882.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $136 | $300 |
City averages based on Pawnee market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,454 |
| Total Monthly Debt Service | $1,289 |
| DSCR Ratio | 1.13x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1987
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62558, Pawnee, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,585 (100%) |
| Owner Occupied HU | 1,193 (75.3%) |
| Renter Occupied HU | 255 (16.1%) |
| Vacant Housing Units | 137 ( 8.6%) |
| Median Home Value | $197,624 |
| Average Home Value | $210,166 |
Housing Distribution
Address Breakdown
Residential
1,215
Single Family
1,185
Multi-Family
30
Businesses
64
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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
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