900 W Cumberland Rd, Saint Elmo, IL, 62458 | $599/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

Get Pre-Approved

Nearby investment properties with comparable rents

3 Bed
2 Bath
1248 sft

206 W Jaycee Ave, Effingham, IL, 62401

3 Bed
2 Bath
1274 sft

929 W Jay St, Vandalia, IL, 62471

4 Bed
4 Bath
3340 sft

11225 E Maywood Ct, Effingham, IL, 62401

3 Bed
1 Bath
2387 sft

213 S Hickory St, Farina, IL, 62838

Nearby investment properties with comparable prices

Currently Rented+ 2 more

2 Bed
1 Bath
1134 sft

804 W Jefferson Ave, Effingham, IL, 62401

2 Bed
1 Bath
1009 sft

821 W Jefferson St, Vandalia, IL, 62471

3 Bed
1 Bath
1260 sft

396 E 2000 Ave, Vandalia, IL, 62471

1 Bed
1 Bath
816 sft

1331 E 2700th Ave, Ramsey, IL, 62080

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

Explore more listings using simple english

Investment Highlights

Rental property for sale in Saint Elmo at 900 W Cumberland Rd, Saint Elmo, IL, 62458 priced at $139,000 converts $1,563/mo rent into $599/mo cash flow after a $680/mo obligation. Total monthly income equals $1,563/mo, and annual cash flow totals $7,190/yr on $46,079 invested. Return on cash invested prints 35.51% in year one, and rental yield reads 13.49% against a $139,000 entry. Equity gained on principal adds $897/yr, while 5% annual appreciation compiles into $38,403 by year five. Five-year ROI reaches 187.6% and total cumulative return in cash sums $86,444. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $1,563/mo property income covering a $680/mo payment, not borrower’s personal income.

Single Family

Built in 1949

1.22 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 62458, Saint Elmo, IL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	936 (100%)
Owner Occupied HU	682 (72.9%)
Renter Occupied HU	134 (14.3%)
Vacant Housing Units	120 (12.8%)
Median Home Value	$134,821
Average Home Value	$172,262