905 W 14th StSterlingIL61081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $105,000, 905 W 14th St, Sterling, IL, 61081 in Sterling generates $829/mo in rent (9.47% yield) but nets only $101/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.76) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $29,010. Total projected return: $46,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.0% |
| Monthly Cash Flow | $101 | $150 |
City averages based on Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $829 |
| Total Monthly Debt Service | $687 |
| DSCR Ratio | 1.21x |
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 1948
8,974 sqft 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 |
Housing Distribution
Address Breakdown
Residential
9,074
Single Family
8,249
Multi-Family
825
Businesses
692
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 1948
8,974 sqft 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 |
Housing Distribution
Address Breakdown
Residential
9,074
Single Family
8,249
Multi-Family
825
Businesses
692
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices