9A184 Cottonwood CtApple RiverIL61001
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 9A184 Cottonwood Ct, Apple River, IL, 61001 in Apple River. Rental yield 6.26%. The 1.16 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $127,089 and $4,237/yr in principal reduction project total return of $125,072.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 7.5% |
| Monthly Cash Flow | $(872) | $1,200 |
City averages based on Apple River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $3,008 |
| DSCR Ratio | 0.80x |
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61001, Apple River, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 460 (37.5%) |
| Renter Occupied HU | 69 ( 5.6%) |
| Vacant Housing Units | 698 (56.9%) |
| Median Home Value | $248,148 |
| Average Home Value | $272,304 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
696
Multi-Family
8
Businesses
23
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61001, Apple River, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 460 (37.5%) |
| Renter Occupied HU | 69 ( 5.6%) |
| Vacant Housing Units | 698 (56.9%) |
| Median Home Value | $248,148 |
| Average Home Value | $272,304 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
696
Multi-Family
8
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melissa Vasen • xr realty
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12569163