728 E 4th StFloraIL62839
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 728 E 4th St, Flora, IL, 62839 in Flora at $169,900 earns $1,294/mo in rent and nets $116/mo after the $764/mo payment, a 9.14% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $46,940 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,565/yr in principal paydown, total projected return reaches $72,459.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.0% |
| Monthly Cash Flow | $116 | $300 |
City averages based on Flora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,294 |
| Total Monthly Debt Service | $1,111 |
| DSCR Ratio | 1.16x |
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 1953
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62839, Flora, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,974 (66.2%) |
| Renter Occupied HU | 691 (23.2%) |
| Vacant Housing Units | 318 (10.7%) |
| Median Home Value | $120,905 |
| Average Home Value | $192,720 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,726
Multi-Family
50
Businesses
312
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 1953
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62839, Flora, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,974 (66.2%) |
| Renter Occupied HU | 691 (23.2%) |
| Vacant Housing Units | 318 (10.7%) |
| Median Home Value | $120,905 |
| Average Home Value | $192,720 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,726
Multi-Family
50
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices