20125 Woodale St #0 · Lynwood, IL 60411

$149,900

2 bd · 1.0 ba · 1,000 sqft · Condo · 2 Days on market

$182/mo HOA · 9% of rent

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +27.2/30.0
• DSCR +9.4/10.0
• 1% rule +7.8/10.0
• ARV discount +7.5/15.0
• Rent growth +4.1/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This spacious 2-bedroom, 1-bath condo offers great potential with a functional layout and solid features throughout. The unit includes a large living/dining room combo, galley-style kitchen, in-unit washer and dryer, central air, and an attached 1-car garage. Property being sold AS-IS.

Key facts

• New kitchen
• Updated throughout
• Remodeled bathroom

Tags

• OPEN-CONCEPT FLOOR PLAN
• NEW KITCHEN
• REMODELED BATHROOM
• ATTACHED GARAGE
• UPDATED THROUGHOUT
• ROOF TWO YEARS OLD

Property features AI

Finance

• Other: Five units in the building; Living area source: Landlord/Tenant/Seller; Directions: Torrence to 201st, then right on Woodale — property will be on the left
• Financial info: Special service area: No
• HOA & community: Monthly association fee of $182; Association fee includes lawn care, trash (scavenger) and snow removal; Manager off-site; Pets allowed (cats and dogs), max pet weight 99 lbs

Exterior

• Parking: Attached garage with garage door opener (1 garage space, 1 total parking space)
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Attached single (condo); Entry level: 2; Condo ownership; Two-story layout
• Construction: Cedar construction; Asphalt roof; Property rehabilitated in 2026; Built 41–50 years ago; Built before 1978
• Exterior features: Condo setting; School bus service available

Interior

• Kitchen: Kitchen with island; Range; Microwave; Dishwasher; Refrigerator; Ceramic tile flooring in kitchen
• Bedrooms: Two bedrooms total; Master bedroom located on the second level (16 x 11); Second bedroom on main level (11 x 10)
• Flooring: Luxury vinyl flooring in dining area and living room; Carpet in master bedroom; Ceramic tile in kitchen
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Six total rooms; Dining area combined with living room; Energy Star qualified windows in kitchen and living areas; Blinds and window screens in living room
• Laundry & utility: In-unit laundry (laundry room on main level, 12 x 8)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $150k.

Deal economics

• At list price, monthly cash flow is $428 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 9.7% vs local median 3.5% in Lynwood — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 65/100 on livability (#635 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A; Watch: schools F, amenities F, commute F.
• Thornton Fractional Twp Hsd 215 (suburban): math 9% / reading 13% proficiency, ranked #563 of 620 in IL (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+6.5%/yr); 222 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• This rent runs 37% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.5% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $68k; list at $150k implies a 120% gain — meaningful room to come down on a strong offer.

Recommended offer $149,900

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.28% ✓
• Cap rate: 9.72%
• Cash-on-cash: 12.23%
• DSCR: 1.54
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 6.48% rent growth · sell at horizon

5-year hold

• IRR: 5.9%
• Equity multiple: 1.24×
• Total profit: $9,978
• Equity at exit: $22,351

10-year hold

• IRR: 18.3%
• Equity multiple: 2.78×
• Total profit: $74,680
• Equity at exit: $12,961

Cash invested: $41,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 60411

• Home prices YoY: -33.9%
• Rents YoY: 6.5%
• Active inventory: 222
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,919 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$57 /mo · $688/yr
• Insurance: −$62
• HOA: −$182
• Vacancy / Maint / Mgmt: −$403
• Net cashflow: $428

Break-even live

Break-even rent $1,377

Max offer price $149,900

Occupancy floor 73%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20104 Willow Dr Lynwood, IL	2.0	1.0	1000	$1,600	$1.60	17d	1	0.05mi
20067 Orchard Ave Lynwood, IL	3.0	1.0	1084	$2,200	$2.03	1d	1	0.13mi
20078 Monterey Ave Lynwood, IL	3.0	2.0	1128	$2,850	$2.53	1d	1	0.19mi

HOA detail condo

• Monthly dues: $182 · $2,184/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 3 events

1. 2026-06-18
   days on market $149,900 Active 2 DOM
2. 2026-06-17
   remarks 699-char remark
3. 2026-06-17
   listed $149,900 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast IL · Partial reset (capped growth)

• Current annual tax: $688 · $57/mo
• Projected year-2 tax: $2,045 · $170/mo
• Expected delta: +$1,357/yr (+$113/mo · 197.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 21% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,025
• − Mortgage interest: −$8,397
• − Property taxes: −$688
• − Insurance: −$750
• − Repairs & maintenance: −$1,842
• − Management: −$1,842
• − HOA: −$2,184
• − Depreciation: −$4,361
• Taxable income: $2,962
• Est. tax owed @ 24.0%: −$711
• After-tax cash flow: $4,424/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Thornton Fractional Twp Hsd 215
• NCES district ID: 1738940
• Math proficiency: 9% ▼ -3.00%
• Reading proficiency: 13% ▼ -3.00%
• Median HH income: $48,207
• Composite: 10.27/100
• National rank: #9793
• State rank: #563 of 620 in IL

Livability — Lynwood

• Score: 65/100
• State rank: #635
• US rank: #12997

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment A Housing A+ Health & safety F User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lynwood, IL
• County: Cook County · 4,486,803 people
• City population: 52,175
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 52,175
• Household income: $62,073
• Rent vs Own: 34.8% rent · 65.2% own
• Severe rent burden: 1714.0

Population outlook (Cook County) Hauer SSP2

• Today (2025): 5,347,519 people
• By 2030: 5,357,703 · +0.2%
• By 2040: 5,324,924 · -0.4%
• By 2050: 5,230,762 · -2.2%
• By 2075: 4,785,735 · -10.5%
• By 2100: 4,188,836 · -21.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: Black 49% Hispanic / Latino 26% White 19% Two or more races 11%
• Hispanic origin (detail): Mexican 22% Puerto Rican 2%
• Common ancestry: Romanian 4% Portuguese 1% Lithuanian 1%
• Foreign-born: 12% · Canada
• Languages at home: 76% English-only · Spanish 21% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Cook

• 2024 margin: Solid D (+42.0) · D 70.4% · R 28.4% · Other 1.2%
• 2008→2024 swing: -11.4pp toward R · 2008: 53.4pp · 2024: 42.0pp
• All cycles: 2024: D+42.0 2020: D+50.3 2016: D+53.0 2012: D+49.4 2008: D+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -108.75%
• Current HPI: 212.4058
• Rent YoY: ▲ 6.48%
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

+79.5% since first listed

6 events — show timeline

• 2026-06-16 Listed $149,900 MRED as Distributed by MLS Grid
• 2026-03-11 Sold (Public Records) $68,000 Public Records
• 2026-02-02 Sold (MLS) $68,000 MRED as Distributed by MLS Grid
• 2026-01-19 Contingent — MRED as Distributed by MLS Grid
• 2026-01-07 Price Changed $75,500 MRED as Distributed by MLS Grid
• 2025-11-13 Listed $83,500 MRED as Distributed by MLS Grid

Property tax history

-4.3%/yr

Latest (2023): $688 · +738.0% YoY. Source: county tax records.