The Hearthstone : Build On Your Lot Plan, Midwest Illinois: Build On Your LotFlossmoorIL60422
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: The Hearthstone: Build On Your Lot Plan, Midwest Illinois: Build On Your Lot, Flossmoor, IL, 60422 in Flossmoor at $471,180 earns $3,436/mo in rent and nets $167/mo after the $2,119/mo payment, a 8.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $130,178 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $4,340/yr in principal paydown, total projected return reaches $190,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $167 | $300 |
City averages based on Flossmoor market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,436 |
| Total Monthly Debt Service | $3,081 |
| DSCR Ratio | 1.12x |
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: 60422, Flossmoor, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,782 (100%) |
| Owner Occupied HU | 3,240 (85.7%) |
| Renter Occupied HU | 344 ( 9.1%) |
| Vacant Housing Units | 198 ( 5.2%) |
| Median Home Value | $344,456 |
| Average Home Value | $372,738 |
Housing Distribution
Address Breakdown
Residential
3,684
Single Family
3,420
Multi-Family
264
Businesses
444
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: 60422, Flossmoor, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,782 (100%) |
| Owner Occupied HU | 3,240 (85.7%) |
| Renter Occupied HU | 344 ( 9.1%) |
| Vacant Housing Units | 198 ( 5.2%) |
| Median Home Value | $344,456 |
| Average Home Value | $372,738 |
Housing Distribution
Address Breakdown
Residential
3,684
Single Family
3,420
Multi-Family
264
Businesses
444
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
