8726 Schmalz RdSaint JacobIL62281
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 8726 Schmalz Rd, Saint Jacob, IL, 62281 in Saint Jacob fits: $680,000, 1.69% gross yield, and a projected 5% annual appreciation rate adding $187,871 in value within five years. Rental yield 1.69%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.30) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,700/yr in principal paydown and $187,871 in appreciation project a total return of $5,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 5.0% |
| Monthly Cash Flow | $(3,757) | $300 |
City averages based on Saint Jacob 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 | $960 |
| Total Monthly Debt Service | $4,612 |
| DSCR Ratio | 0.21x |
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 2025
2.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62281, Saint Jacob, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,166 (100%) |
| Owner Occupied HU | 970 (83.2%) |
| Renter Occupied HU | 137 (11.7%) |
| Vacant Housing Units | 59 ( 5.1%) |
| Median Home Value | $319,811 |
| Average Home Value | $326,554 |
Housing Distribution
Address Breakdown
Residential
1,035
Single Family
1,035
Multi-Family
0
Businesses
47
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andra E Butler • Coldwell Banker Brown Realtors
Mls Name: MARIS
Mls Provider:
Mls ID: #26071122
