727 Bruce StRockfordIL61103
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 727 Bruce St, Rockford, IL, 61103 in Rockford deserves attention. This $114,900 property earns $2,232/mo in rent, a 23.31% gross yield, and nets $1,435/mo after the $517/mo payment. DSCR 4.32 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $31,745 compounds alongside $1,058/yr in yearly equity build, for a total cumulative return of $136,298.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.3% | 9.2% |
| Monthly Cash Flow | $1,435 | $450 |
City averages based on Rockford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,232 |
| Total Monthly Debt Service | $751 |
| DSCR Ratio | 2.97x |
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 1900
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61103, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,046 (100%) |
| Owner Occupied HU | 5,025 (45.5%) |
| Renter Occupied HU | 4,904 (44.4%) |
| Vacant Housing Units | 1,117 (10.1%) |
| Median Home Value | $143,110 |
| Average Home Value | $176,481 |
Housing Distribution
Address Breakdown
Residential
10,229
Single Family
8,022
Multi-Family
2,207
Businesses
400
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 1900
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61103, Rockford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,046 (100%) |
| Owner Occupied HU | 5,025 (45.5%) |
| Renter Occupied HU | 4,904 (44.4%) |
| Vacant Housing Units | 1,117 (10.1%) |
| Median Home Value | $143,110 |
| Average Home Value | $176,481 |
Housing Distribution
Address Breakdown
Residential
10,229
Single Family
8,022
Multi-Family
2,207
Businesses
400
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices