904A Sycamore StGermantownIL62245
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 904A Sycamore St, Germantown, IL, 62245 in Germantown. At $242,900 it earns $1,910/mo in rent and distributes $226/mo to the owner after the $1,092/mo payment, a consistent 9.44% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $67,109 in value; $2,237/yr in principal paydown compounds ownership stake. Total projected return: $107,458.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.0% |
| Monthly Cash Flow | $226 | $1,200 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,910 |
| Total Monthly Debt Service | $1,588 |
| DSCR Ratio | 1.20x |
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 1978
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62245, Germantown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 682 (80.4%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 61 ( 7.2%) |
| Median Home Value | $215,493 |
| Average Home Value | $236,415 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
41
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 1978
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62245, Germantown, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 682 (80.4%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 61 ( 7.2%) |
| Median Home Value | $215,493 |
| Average Home Value | $236,415 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26017409