County Highway 16CisneIL62823
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at County Highway 16, Cisne, IL, 62823 in Cisne is narrow, $195/mo net on $1,568/mo rent after the $890/mo debt service, but the property operates at break-even-plus, not a loss. At $198,000 with a 9.5% yield, the long-run equity case via 5% appreciation ($54,704 over five years) and $1,824/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $88,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 9.0% |
| Monthly Cash Flow | $195 | $5,000 |
City averages based on Cisne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,568 |
| Total Monthly Debt Service | $1,295 |
| DSCR Ratio | 1.21x |
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
33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62823, Cisne, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 632 (100%) |
| Owner Occupied HU | 476 (75.3%) |
| Renter Occupied HU | 79 (12.5%) |
| Vacant Housing Units | 77 (12.2%) |
| Median Home Value | $131,111 |
| Average Home Value | $178,813 |
Housing Distribution
Address Breakdown
Residential
556
Single Family
556
Multi-Family
0
Businesses
38
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
33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62823, Cisne, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 632 (100%) |
| Owner Occupied HU | 476 (75.3%) |
| Renter Occupied HU | 79 (12.5%) |
| Vacant Housing Units | 77 (12.2%) |
| Median Home Value | $131,111 |
| Average Home Value | $178,813 |
Housing Distribution
Address Breakdown
Residential
556
Single Family
556
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices