834 Stone Church LnGeneseoIL61254
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder834 Stone Church Ln, Geneseo, IL, 61254 in Geneseo is a stable, well-positioned rental at $459,000. Rental yield 7.95%. DSCR 1.40 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $126,813 in value and $3,848/yr in principal paydown builds equity, a total projected return of $157,783.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 8.0% |
| Monthly Cash Flow | $(142) | $1,500 |
City averages based on Geneseo market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,042 |
| Total Monthly Debt Service | $3,113 |
| DSCR Ratio | 0.98x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2002
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61254, Geneseo, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,167 (100%) |
| Owner Occupied HU | 3,911 (75.7%) |
| Renter Occupied HU | 878 (17.0%) |
| Vacant Housing Units | 378 ( 7.3%) |
| Median Home Value | $226,871 |
| Average Home Value | $250,255 |
Housing Distribution
Address Breakdown
Residential
5,015
Single Family
4,696
Multi-Family
319
Businesses
408
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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
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Nearby investment properties with comparable prices
