The Fitzpatrick Plan, Stone BriarO'FallonIL62269
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. Rental yield 8.16%. The Fitzpatrick Plan, Stone Briar, O'Fallon, IL, 62269 in O'Fallon achieves 1.51, rent of $3,523/mo covers the $2,329/mo payment 1.5x over at $517,900. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $143,086 over five years, with $4,770/yr in principal reduction bringing total projected return to $192,829.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $(82) | $300 |
City averages based on O'Fallon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,523 |
| Total Monthly Debt Service | $3,399 |
| DSCR Ratio | 1.04x |
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 2026
N/A lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62269, O Fallon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,311 (100%) |
| Owner Occupied HU | 10,010 (65.4%) |
| Renter Occupied HU | 4,315 (28.2%) |
| Vacant Housing Units | 986 ( 6.4%) |
| Median Home Value | $303,987 |
| Average Home Value | $315,230 |
Housing Distribution
Address Breakdown
Residential
14,975
Single Family
13,691
Multi-Family
1,284
Businesses
1,132
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
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62269, O Fallon, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,311 (100%) |
| Owner Occupied HU | 10,010 (65.4%) |
| Renter Occupied HU | 4,315 (28.2%) |
| Vacant Housing Units | 986 ( 6.4%) |
| Median Home Value | $303,987 |
| Average Home Value | $315,230 |
Housing Distribution
Address Breakdown
Residential
14,975
Single Family
13,691
Multi-Family
1,284
Businesses
1,132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices