911 W Charles StChampaignIL61821
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 911 W Charles St, Champaign, IL, 61821 in Champaign aligned with their strategy. Rental yield 7.17%. DSCR 1.33 and 7.17% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $2,947/yr in paydown build toward a projected cumulative return of $102,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.8% |
| Monthly Cash Flow | $(307) | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,913 |
| Total Monthly Debt Service | $2,092 |
| DSCR Ratio | 0.91x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1923
1,324 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61821, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,438 (100%) |
| Owner Occupied HU | 7,948 (55.0%) |
| Renter Occupied HU | 5,168 (35.8%) |
| Vacant Housing Units | 1,322 ( 9.2%) |
| Median Home Value | $200,906 |
| Average Home Value | $243,819 |
Housing Distribution
Address Breakdown
Residential
12,843
Single Family
11,539
Multi-Family
1,304
Businesses
576
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 1923
1,324 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61821, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,438 (100%) |
| Owner Occupied HU | 7,948 (55.0%) |
| Renter Occupied HU | 5,168 (35.8%) |
| Vacant Housing Units | 1,322 ( 9.2%) |
| Median Home Value | $200,906 |
| Average Home Value | $243,819 |
Housing Distribution
Address Breakdown
Residential
12,843
Single Family
11,539
Multi-Family
1,304
Businesses
576
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices