943 N Main StPontiacIL61764
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow943 N Main St, Pontiac, IL, 61764 in Pontiac earns its strong cash-flow label: 31.69% yield, $3,090/mo rent, $2,278/mo net income, DSCR 5.87. The $117,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $32,325 by year five. Combined with $1,078/yr in principal paydown, total projected return reaches $191,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 31.7% | 8.0% |
| Monthly Cash Flow | $2,278 | $250 |
City averages based on Pontiac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,090 |
| Total Monthly Debt Service | $765 |
| DSCR Ratio | 4.04x |
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 1892
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61764, Pontiac, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,700 (62.3%) |
| Renter Occupied HU | 1,677 (28.2%) |
| Vacant Housing Units | 560 ( 9.4%) |
| Median Home Value | $143,224 |
| Average Home Value | $185,956 |
Housing Distribution
Address Breakdown
Residential
5,297
Single Family
4,736
Multi-Family
561
Businesses
481
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 1892
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61764, Pontiac, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,700 (62.3%) |
| Renter Occupied HU | 1,677 (28.2%) |
| Vacant Housing Units | 560 ( 9.4%) |
| Median Home Value | $143,224 |
| Average Home Value | $185,956 |
Housing Distribution
Address Breakdown
Residential
5,297
Single Family
4,736
Multi-Family
561
Businesses
481
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices