Chatham Plan, Waterside at Three OaksCrystal LakeIL60014
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Crystal Lake rental at Chatham Plan, Waterside at Three Oaks, Crystal Lake, IL, 60014 sits in the solid-income band: 9.93% gross yield, $3,541/mo rent, $573/mo net after the $1,925/mo debt service, DSCR 1.84. Entry price of $427,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $118,246 and $3,942/yr in principal reduction bring total cumulative return to $200,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $573 | $250 |
City averages based on Crystal Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,541 |
| Total Monthly Debt Service | $2,798 |
| DSCR Ratio | 1.27x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60014, Crystal Lake, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,766 (100%) |
| Owner Occupied HU | 14,261 (76.0%) |
| Renter Occupied HU | 3,812 (20.3%) |
| Vacant Housing Units | 693 ( 3.7%) |
| Median Home Value | $342,930 |
| Average Home Value | $362,214 |
Housing Distribution
Address Breakdown
Residential
18,377
Single Family
16,184
Multi-Family
2,193
Businesses
1,699
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60014, Crystal Lake, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,766 (100%) |
| Owner Occupied HU | 14,261 (76.0%) |
| Renter Occupied HU | 3,812 (20.3%) |
| Vacant Housing Units | 693 ( 3.7%) |
| Median Home Value | $342,930 |
| Average Home Value | $362,214 |
Housing Distribution
Address Breakdown
Residential
18,377
Single Family
16,184
Multi-Family
2,193
Businesses
1,699
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A