9045 S Mississippi River RdGolden EagleIL62036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 9045 S Mississippi River Rd, Golden Eagle, IL, 62036 in Golden Eagle speaks for itself: 21.45% gross on a $119,900 price, generating $2,143/mo in rent and $1,312/mo in net income after the $539/mo debt service. DSCR 3.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $15,739 stacks alongside $33,126 in projected five-year appreciation and $1,104/yr in principal reduction. Projected total cumulative return: $130,296.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.5% | 6.2% |
| Monthly Cash Flow | $1,312 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,143 |
| Total Monthly Debt Service | $784 |
| DSCR Ratio | 2.73x |
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 N/A
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62036, Golden Eagle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 245 (100%) |
| Owner Occupied HU | 192 (78.4%) |
| Renter Occupied HU | 18 ( 7.3%) |
| Vacant Housing Units | 35 (14.3%) |
| Median Home Value | $219,118 |
| Average Home Value | $270,078 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
Multi-Family
0
Businesses
6
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 N/A
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62036, Golden Eagle, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 245 (100%) |
| Owner Occupied HU | 192 (78.4%) |
| Renter Occupied HU | 18 ( 7.3%) |
| Vacant Housing Units | 35 (14.3%) |
| Median Home Value | $219,118 |
| Average Home Value | $270,078 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices