Fontana Ranch Plan, Pioneer OaksRingwoodIL60072
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at Fontana Ranch Plan, Pioneer Oaks, Ringwood, IL, 60072 in Ringwood is narrow, $88/mo net on $4,332/mo rent after the $2,751/mo debt service, but the property operates at break-even-plus, not a loss. At $611,900 with a 8.5% yield, the long-run equity case via 5% appreciation ($169,057 over five years) and $5,636/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $239,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $88 | $1,200 |
City averages based on Ringwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,332 |
| Total Monthly Debt Service | $4,001 |
| DSCR Ratio | 1.08x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60072, Ringwood, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 318 (100%) |
| Owner Occupied HU | 268 (84.3%) |
| Renter Occupied HU | 46 (14.5%) |
| Vacant Housing Units | 4 ( 1.3%) |
| Median Home Value | $414,737 |
| Average Home Value | $436,194 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
126
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60072, Ringwood, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 318 (100%) |
| Owner Occupied HU | 268 (84.3%) |
| Renter Occupied HU | 46 (14.5%) |
| Vacant Housing Units | 4 ( 1.3%) |
| Median Home Value | $414,737 |
| Average Home Value | $436,194 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices