936 Hammerschmidt AveLombardIL60148
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 936 Hammerschmidt Ave, Lombard, IL, 60148 in Lombard. Rental yield 4.36%. At $1,095,000 with 4.36% gross yield, current distributions are modest, but the 5% appreciation rate projects $302,528 in new equity by year five, complemented by $9,179/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.77) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $165,482.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(3,616) | $300 |
City averages based on Lombard market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,979 |
| Total Monthly Debt Service | $7,426 |
| DSCR Ratio | 0.54x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2005
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60148, Lombard, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,872 (100%) |
| Owner Occupied HU | 15,176 (66.4%) |
| Renter Occupied HU | 6,456 (28.2%) |
| Vacant Housing Units | 1,240 ( 5.4%) |
| Median Home Value | $357,055 |
| Average Home Value | $390,991 |
Housing Distribution
Address Breakdown
Residential
22,434
Single Family
15,389
Multi-Family
7,045
Businesses
2,092
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
