905 E 21st St, Sterling, IL, 61081 | Equity Gain $3,491/yr

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Total monthly income runs $840/mo, and a $2,648/mo payment. Purchase price stands at $541,000, and rental yield measures 1.86% with $840/mo rent. Return on cash invested shows 0.42% in year one, and 5% annual appreciation builds toward $149,468 over five years. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $840/mo property income covering a $2,648/mo payment rather than investor’s personal income.

Single Family

Built in 2025

0.50 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 61081, Sterling, IL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	9,878 (100%)
Owner Occupied HU	6,312 (63.9%)
Renter Occupied HU	2,688 (27.2%)
Vacant Housing Units	878 ( 8.9%)
Median Home Value	$134,141
Average Home Value	$195,416