807 9th StHighlandIL62249
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 807 9th St, Highland, IL, 62249 in Highland. Priced at $239,500, it generates $2,852/mo in gross rent and $1,191/mo in net monthly cash flow, a 14.29% yield that comfortably supports the 2.65 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,294. Five-year appreciation: $66,169. Equity from principal paydown: $2,206/yr. Total projected cumulative return: $168,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.7% |
| Monthly Cash Flow | $1,191 | $1,200 |
City averages based on Highland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,852 |
| Total Monthly Debt Service | $1,566 |
| DSCR Ratio | 1.82x |
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 1869
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62249, Highland, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 5,271 (73.7%) |
| Renter Occupied HU | 1,472 (20.6%) |
| Vacant Housing Units | 405 ( 5.7%) |
| Median Home Value | $264,878 |
| Average Home Value | $300,071 |
Housing Distribution
Address Breakdown
Residential
6,867
Single Family
6,539
Multi-Family
328
Businesses
511
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 1869
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62249, Highland, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 5,271 (73.7%) |
| Renter Occupied HU | 1,472 (20.6%) |
| Vacant Housing Units | 405 ( 5.7%) |
| Median Home Value | $264,878 |
| Average Home Value | $300,071 |
Housing Distribution
Address Breakdown
Residential
6,867
Single Family
6,539
Multi-Family
328
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices