811 Henson StLenaIL61048
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 811 Henson St, Lena, IL, 61048 in Lena: $1,614/mo in rent, $393/mo in net income, 11% gross yield, 2.04 DSCR, all at $176,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,626 in appreciation and $1,621/yr in principal paydown projects total cumulative return of $92,642.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.0% |
| Monthly Cash Flow | $393 | $250 |
City averages based on Lena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,614 |
| Total Monthly Debt Service | $1,151 |
| DSCR Ratio | 1.40x |
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 1972
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61048, Lena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,875 (100%) |
| Owner Occupied HU | 1,447 (77.2%) |
| Renter Occupied HU | 284 (15.1%) |
| Vacant Housing Units | 144 ( 7.7%) |
| Median Home Value | $181,929 |
| Average Home Value | $218,842 |
Housing Distribution
Address Breakdown
Residential
1,635
Single Family
1,526
Multi-Family
109
Businesses
138
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 1972
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61048, Lena, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,875 (100%) |
| Owner Occupied HU | 1,447 (77.2%) |
| Renter Occupied HU | 284 (15.1%) |
| Vacant Housing Units | 144 ( 7.7%) |
| Median Home Value | $181,929 |
| Average Home Value | $218,842 |
Housing Distribution
Address Breakdown
Residential
1,635
Single Family
1,526
Multi-Family
109
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly Wolf • Keller Williams Realty Signature
Mls Name: NorthWest Illinois Alliance of REALTORS
Mls Provider:
Mls ID: #202504657
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.