7S261 S River RdNapervilleIL60540
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 7S261 S River Rd, Naperville, IL, 60540 in Naperville is a conservative rental investment at $425,000. Rental yield 7.01%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $117,420; $3,914/yr in principal paydown supplements. Total projected return: $132,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.1% |
| Monthly Cash Flow | $(465) | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,483 |
| Total Monthly Debt Service | $2,779 |
| DSCR Ratio | 0.89x |
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathleen Myles • RE/MAX Action
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12417928