726 N 4th StSavannaIL61074
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 726 N 4th St, Savanna, IL, 61074 in Savanna speaks for itself: 13.97% gross on a $126,000 price, generating $1,466/mo in rent and $592/mo in net income after the $567/mo debt service. DSCR 2.59, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,109 stacks alongside $34,811 in projected five-year appreciation and $1,160/yr in principal reduction. Projected total cumulative return: $86,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.2% |
| Monthly Cash Flow | $592 | $1,200 |
City averages based on Savanna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,466 |
| Total Monthly Debt Service | $824 |
| DSCR Ratio | 1.78x |
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 1947
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61074, Savanna, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,294 (100%) |
| Owner Occupied HU | 1,393 (60.7%) |
| Renter Occupied HU | 505 (22.0%) |
| Vacant Housing Units | 396 (17.3%) |
| Median Home Value | $112,054 |
| Average Home Value | $154,907 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,859
Multi-Family
74
Businesses
165
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 1947
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61074, Savanna, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,294 (100%) |
| Owner Occupied HU | 1,393 (60.7%) |
| Renter Occupied HU | 505 (22.0%) |
| Vacant Housing Units | 396 (17.3%) |
| Median Home Value | $112,054 |
| Average Home Value | $154,907 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,859
Multi-Family
74
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices