1250 14th StCottage HillsIL62018
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 10.33% yield at 1250 14th St, Cottage Hills, IL, 62018 in Cottage Hills is solid, but the $495/mo payment compresses net cash flow to $184/mo at $110,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $30,391 by year five, and $1,013/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.91) without U.S. income documentation. Total projected return: $53,917.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $184 | $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 | $947 |
| Total Monthly Debt Service | $719 |
| DSCR Ratio | 1.32x |
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.
Lot
Built in N/A
6.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62018, Cottage Hills, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,665 (100%) |
| Owner Occupied HU | 965 (58.0%) |
| Renter Occupied HU | 500 (30.0%) |
| Vacant Housing Units | 200 (12.0%) |
| Median Home Value | $116,618 |
| Average Home Value | $140,492 |
Housing Distribution
Address Breakdown
Residential
1,343
Single Family
1,343
Multi-Family
0
Businesses
55
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
Lot
Built in N/A
6.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62018, Cottage Hills, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,665 (100%) |
| Owner Occupied HU | 965 (58.0%) |
| Renter Occupied HU | 500 (30.0%) |
| Vacant Housing Units | 200 (12.0%) |
| Median Home Value | $116,618 |
| Average Home Value | $140,492 |
Housing Distribution
Address Breakdown
Residential
1,343
Single Family
1,343
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Antione E Williams • Tarrant And Harman Real Estate
Mls Name: MARIS
Mls Provider:
Mls ID: #24056682
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