7620 Garden LnJusticeIL60458
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 7620 Garden Ln, Justice, IL, 60458 in Justice is capital appreciation. Rental yield 3.01%. The 3.01% gross yield at $649,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $179,555 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.56) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $63,542.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 8.0% |
| Monthly Cash Flow | $(2,876) | $1,500 |
City averages based on Justice market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,632 |
| Total Monthly Debt Service | $4,249 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60458, Justice, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 2,867 (48.3%) |
| Renter Occupied HU | 2,604 (43.9%) |
| Vacant Housing Units | 465 ( 7.8%) |
| Median Home Value | $251,346 |
| Average Home Value | $248,193 |
Housing Distribution
Address Breakdown
Residential
5,817
Single Family
3,581
Multi-Family
2,236
Businesses
187
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 2025
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60458, Justice, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 2,867 (48.3%) |
| Renter Occupied HU | 2,604 (43.9%) |
| Vacant Housing Units | 465 ( 7.8%) |
| Median Home Value | $251,346 |
| Average Home Value | $248,193 |
Housing Distribution
Address Breakdown
Residential
5,817
Single Family
3,581
Multi-Family
2,236
Businesses
187
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices