827 N 10th StDekalbIL60115
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 827 N 10th St, Dekalb, IL, 60115 in Dekalb is a conservative rental investment at $259,900. Rental yield 7.06%. A 1.31 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $71,806; $2,394/yr in principal paydown supplements. Total projected return: $81,864.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 8.0% |
| Monthly Cash Flow | $(273) | $300 |
City averages based on Dekalb market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $1,699 |
| DSCR Ratio | 0.90x |
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 1946
9,150 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60115, Dekalb, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,304 (100%) |
| Owner Occupied HU | 7,574 (41.4%) |
| Renter Occupied HU | 8,918 (48.7%) |
| Vacant Housing Units | 1,812 ( 9.9%) |
| Median Home Value | $225,217 |
| Average Home Value | $244,557 |
Housing Distribution
Address Breakdown
Residential
17,163
Single Family
11,647
Multi-Family
5,516
Businesses
1,118
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 1946
9,150 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60115, Dekalb, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,304 (100%) |
| Owner Occupied HU | 7,574 (41.4%) |
| Renter Occupied HU | 8,918 (48.7%) |
| Vacant Housing Units | 1,812 ( 9.9%) |
| Median Home Value | $225,217 |
| Average Home Value | $244,557 |
Housing Distribution
Address Breakdown
Residential
17,163
Single Family
11,647
Multi-Family
5,516
Businesses
1,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices