851 W Lincoln StDixIL62830
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 851 W Lincoln St, Dix, IL, 62830 in Dix. Priced at $171,000, it generates $1,986/mo in gross rent and $800/mo in net monthly cash flow, a 13.94% yield that comfortably supports the 2.58 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,599. Five-year appreciation: $47,244. Equity from principal paydown: $1,575/yr. Total projected cumulative return: $116,872.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.9% | 6.2% |
| Monthly Cash Flow | $800 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,986 |
| Total Monthly Debt Service | $1,118 |
| DSCR Ratio | 1.78x |
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.
Manufactured
Built in 2019
2.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62830, Dix, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 545 (71.4%) |
| Renter Occupied HU | 169 (22.1%) |
| Vacant Housing Units | 49 ( 6.4%) |
| Median Home Value | $157,415 |
| Average Home Value | $189,477 |
Housing Distribution
Address Breakdown
Residential
609
Single Family
514
Multi-Family
95
Businesses
34
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
Manufactured
Built in 2019
2.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62830, Dix, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 545 (71.4%) |
| Renter Occupied HU | 169 (22.1%) |
| Vacant Housing Units | 49 ( 6.4%) |
| Median Home Value | $157,415 |
| Average Home Value | $189,477 |
Housing Distribution
Address Breakdown
Residential
609
Single Family
514
Multi-Family
95
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices