8510 N 1250th RdColchesterIL62326
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 8510 N 1250th Rd, Colchester, IL, 62326 in Colchester. Priced at $250,000, it generates $2,446/mo in gross rent and $712/mo in net monthly cash flow, a 11.74% yield that comfortably supports the 2.18 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,539. Five-year appreciation: $69,070. Equity from principal paydown: $2,303/yr. Total projected cumulative return: $141,457.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 7.0% |
| Monthly Cash Flow | $712 | $200 |
City averages based on Colchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,446 |
| Total Monthly Debt Service | $1,635 |
| DSCR Ratio | 1.50x |
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 N/A
1.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62326, Colchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,200 (100%) |
| Owner Occupied HU | 897 (74.7%) |
| Renter Occupied HU | 180 (15.0%) |
| Vacant Housing Units | 123 (10.2%) |
| Median Home Value | $106,565 |
| Average Home Value | $154,448 |
Housing Distribution
Address Breakdown
Residential
891
Single Family
891
Multi-Family
0
Businesses
53
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 N/A
1.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62326, Colchester, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,200 (100%) |
| Owner Occupied HU | 897 (74.7%) |
| Renter Occupied HU | 180 (15.0%) |
| Vacant Housing Units | 123 (10.2%) |
| Median Home Value | $106,565 |
| Average Home Value | $154,448 |
Housing Distribution
Address Breakdown
Residential
891
Single Family
891
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nick J Curtis • RE/MAX Unified Brokers
Mls Name: RMLS Alliance
Mls ID: #PA1261059