12394 Roberson RdLitchfieldIL62056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 12394 Roberson Rd, Litchfield, IL, 62056 in Litchfield is listed at $350,000 and delivers $2,701/mo in rent and $274/mo in net monthly cash flow. The 9.26% yield and 1.72 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $96,699 over five years, and $3,224/yr in principal reduction supplements cash return. Total projected cumulative return: $151,459.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $274 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $2,701 |
| Total Monthly Debt Service | $2,288 |
| DSCR Ratio | 1.18x |
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 1980
1.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62056, Litchfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,979 (100%) |
| Owner Occupied HU | 2,573 (64.7%) |
| Renter Occupied HU | 960 (24.1%) |
| Vacant Housing Units | 446 (11.2%) |
| Median Home Value | $130,117 |
| Average Home Value | $191,364 |
Housing Distribution
Address Breakdown
Residential
3,757
Single Family
3,582
Multi-Family
175
Businesses
421
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 1980
1.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62056, Litchfield, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,979 (100%) |
| Owner Occupied HU | 2,573 (64.7%) |
| Renter Occupied HU | 960 (24.1%) |
| Vacant Housing Units | 446 (11.2%) |
| Median Home Value | $130,117 |
| Average Home Value | $191,364 |
Housing Distribution
Address Breakdown
Residential
3,757
Single Family
3,582
Multi-Family
175
Businesses
421
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26042401