882 Edward StSaint LiboryIL62282
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 882 Edward St, Saint Libory, IL, 62282 in Saint Libory is listed at $555,000 and delivers $4,091/mo in rent and $241/mo in net monthly cash flow. The 8.84% yield and 1.64 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $153,336 over five years, and $5,112/yr in principal reduction supplements cash return. Total projected cumulative return: $227,764.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 8.0% |
| Monthly Cash Flow | $241 | $1,200 |
City averages based on Saint Libory market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,091 |
| Total Monthly Debt Service | $3,629 |
| DSCR Ratio | 1.13x |
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 2008
1.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62282, Saint Libory, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 37 (14.0%) |
| Vacant Housing Units | 20 ( 7.6%) |
| Median Home Value | $297,917 |
| Average Home Value | $307,609 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
20
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 2008
1.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62282, Saint Libory, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 37 (14.0%) |
| Vacant Housing Units | 20 ( 7.6%) |
| Median Home Value | $297,917 |
| Average Home Value | $307,609 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ben Norrenberns • Judy Dempcy Homes Powered by KW Pinnacle
Mls Name: MARIS
Mls ID: #26004562