903 Bergamot StSavoyIL61874
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 903 Bergamot St, Savoy, IL, 61874 in Savoy at $439,900 earns $3,076/mo in rent and nets $16/mo after the $1,978/mo payment, a 8.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $121,536 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $4,052/yr in principal paydown, total projected return reaches $169,352.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $16 | $400 |
City averages based on Savoy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,076 |
| Total Monthly Debt Service | $2,885 |
| DSCR Ratio | 1.07x |
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 2005
0.40 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61874, Savoy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,062 (100%) |
| Owner Occupied HU | 2,177 (53.6%) |
| Renter Occupied HU | 1,560 (38.4%) |
| Vacant Housing Units | 325 ( 8.0%) |
| Median Home Value | $303,480 |
| Average Home Value | $315,244 |
Housing Distribution
Address Breakdown
Residential
4,176
Single Family
3,105
Multi-Family
1,071
Businesses
296
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 2005
0.40 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61874, Savoy, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,062 (100%) |
| Owner Occupied HU | 2,177 (53.6%) |
| Renter Occupied HU | 1,560 (38.4%) |
| Vacant Housing Units | 325 ( 8.0%) |
| Median Home Value | $303,480 |
| Average Home Value | $315,244 |
Housing Distribution
Address Breakdown
Residential
4,176
Single Family
3,105
Multi-Family
1,071
Businesses
296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: J Leman • eXp Realty,LLC-Champaign
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12378561
Disclaimer: Based on information submitted to the MLS GRID as of 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#17)