825 Sutherland AvenueJanesvilleWI53545
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 825 Sutherland Avenue, Janesville, WI, 53545 in Janesville. Priced at $218,500, it generates $1,988/mo in gross rent and $522/mo in net monthly cash flow, a 10.92% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,264. Five-year appreciation: $60,368. Equity from principal paydown: $2,012/yr. Total projected cumulative return: $116,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 4.9% |
| Monthly Cash Flow | $522 | $285 |
City averages based on Janesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,988 |
| Total Monthly Debt Service | $1,379 |
| DSCR Ratio | 1.44x |
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.
Condo
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53545, Janesville, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,704 (100%) |
| Owner Occupied HU | 6,471 (60.5%) |
| Renter Occupied HU | 3,719 (34.7%) |
| Vacant Housing Units | 514 ( 4.8%) |
| Median Home Value | $244,746 |
| Average Home Value | $277,335 |
Housing Distribution
Address Breakdown
Residential
10,724
Single Family
9,079
Multi-Family
1,645
Businesses
880
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
Condo
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53545, Janesville, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,704 (100%) |
| Owner Occupied HU | 6,471 (60.5%) |
| Renter Occupied HU | 3,719 (34.7%) |
| Vacant Housing Units | 514 ( 4.8%) |
| Median Home Value | $244,746 |
| Average Home Value | $277,335 |
Housing Distribution
Address Breakdown
Residential
10,724
Single Family
9,079
Multi-Family
1,645
Businesses
880
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Press-Raese • Century 21 Affiliated
Mls Name: WIREX MLS
Mls ID: #2008934