9 Temple Garden CtSt CharlesIL60174
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder9 Temple Garden Ct, St Charles, IL, 60174 in St Charles is a stable, well-positioned rental at $387,000. Rental yield 7.97%. DSCR 1.48 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $106,921 in value and $3,564/yr in principal paydown builds equity, a total projected return of $140,785.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $(113) | $250 |
City averages based on St Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,572 |
| Total Monthly Debt Service | $2,530 |
| DSCR Ratio | 1.02x |
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.
Townhouse
Built in 1987
3,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
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
Townhouse
Built in 1987
3,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60174, Saint Charles, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,039 (100%) |
| Owner Occupied HU | 9,143 (65.1%) |
| Renter Occupied HU | 4,174 (29.7%) |
| Vacant Housing Units | 722 ( 5.1%) |
| Median Home Value | $401,856 |
| Average Home Value | $449,093 |
Housing Distribution
Address Breakdown
Residential
13,500
Single Family
11,036
Multi-Family
2,464
Businesses
2,071
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tiffany St. Pierre • Home Solutions Real Estate
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12479503