925 S 10th StHavanaIL62644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 925 S 10th St, Havana, IL, 62644 in Havana at $114,900 earns $919/mo in rent and nets $122/mo after the $517/mo payment, a 9.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,745 over five years. Ziffy Mortgage underwrites this on a 1.78 DSCR without U.S. credit history. With $1,058/yr in principal paydown, total projected return reaches $51,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 4.5% |
| Monthly Cash Flow | $122 | $250 |
City averages based on Havana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $919 |
| Total Monthly Debt Service | $751 |
| DSCR Ratio | 1.22x |
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62644, Havana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,325 (100%) |
| Owner Occupied HU | 1,450 (62.4%) |
| Renter Occupied HU | 519 (22.3%) |
| Vacant Housing Units | 356 (15.3%) |
| Median Home Value | $110,860 |
| Average Home Value | $158,964 |
Housing Distribution
Address Breakdown
Residential
2,112
Single Family
2,076
Multi-Family
36
Businesses
229
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices