19011 Loretto Ln · Country Club Hills, IL 60478

$59,900

4 bd · 2.5 ba · 2,158 sqft · SingleFamily public records · 45 Days on market

Built 1964 ↓ 31% since listing

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Why this score? — see what drove the D 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Exciting opportunity! This brick and frame split level offers 4 bedrooms, 3 full baths, and 2-car detached garage! The work has already been started to unlock its full potential and turn it into a stunning home. Conveniently located near shopping and transportation, this home is ideal for a savvy investor ready to transform it into a fabulous living space.

Key facts

• 2 garage spots
• Built 1964
• Listed 45 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $2k ($23k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $60k).
• Recommended offer: $58k (3.0% below list) — sets the bar for market timing.
• Cap rate 44.3% vs local median 7.4% in Country Club Hills — 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 75/100 on livability (#212 in IL, #3,963 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, health & safety D+, schools F.
• Rich Twp Hsd 227 (suburban): math 5% / reading 12% proficiency, ranked #577 of 620 in IL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 94 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($58k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 2y ago 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.

Recommended offer $58,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 4.88% ✓
• Cap rate: 44.26%
• Cash-on-cash: 135.59%
• DSCR: 7.03
• GRM: 1.7

CMA / ARV

• ARV (on-the-fly): $299,962
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4331 187th Pl	0.45mi	4/2.5	2,153 (-0%)	3mo	$300,000	$139	76
18641 Loras Ct	0.47mi	4/2.5	2,183 (+1%)	7mo	$320,000	$147	70
19020 John Ave	0.04mi	4/2.0	1,860 (-14%)	4mo	$234,000	$126	70
18900 Loras Ln	0.23mi	5/2.0 (+1)	2,304 (+7%)	7mo	$315,000	$137	66
18960 Willow Ave	0.44mi	4/2.0	2,200 (+2%)	12mo	$243,000	$110	65
4446 189th St	0.20mi	4/2.0	2,300 (+7%)	16mo	$235,000	$102	64
18730 Loras Ln	0.31mi	4/2.0	1,943 (-10%)	7mo	$169,700	$87	61
18710 Walnut Ave	0.55mi	4/3.0	2,000 (-7%)	3mo	$305,000	$153	58
4350 188th Pl	0.35mi	4/3.0	2,000 (-7%)	14mo	$295,000	$148	58
18610 Cedar Ave	0.57mi	4/3.0	2,108 (-2%)	13mo	$319,700	$152	57
4740 W 187th St	0.41mi	4/1.5	2,077 (-4%)	17mo	$219,000	$105	56
5125 190th Pl	0.69mi	4/3.0	1,900 (-12%)	8mo	$335,000	$176	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: —
• Equity multiple: 7.62×
• Total profit: $111,035
• Equity at exit: $8,931

10-year hold

• IRR: —
• Equity multiple: 16.04×
• Total profit: $252,284
• Equity at exit: $5,179

Cash invested: $16,772 (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 60478

• Home prices YoY: -27.3%
• Active inventory: 94
• Price-to-rent: 1.7×

Monthly cashflow live

• Estimated rent: $2,923 medium
• Mortgage (P&I): −$314
• Tax est. 1.5%: −$75 /mo · $898/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$614
• Net cashflow: $1,895

Break-even live

Break-even rent $524

Max offer price $59,900

Occupancy floor 30%

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18960 Keeler Ave Country Club Hills, IL	4.0	2.0	1537	$2,650	$1.72	1d	1	0.51mi
4193 186th St Country Club Hills, IL	4.0	2.5	1704	$3,200	$1.88	1d	1	0.75mi
4962 Bennett St Matteson, IL	2.0–3.0	2.5	1341	$3,120	$2.33	1d	7	1.34mi

Listing history 36 events

1. 2026-06-13
   statusdays on market $59,900 Pending 45 DOM
2. 2026-06-09
   days on market $59,900 Auction 43 DOM
3. 2026-06-08
   days on market $59,900 Auction 42 DOM
4. 2026-06-07
   days on market $59,900 Auction 41 DOM
5. 2026-06-04
   days on market $59,900 Auction 38 DOM
6. 2026-06-03
   days on market $59,900 Auction 37 DOM
7. 2026-06-02
   status $59,900 Auction 36 DOM
8. 2026-04-10
   status Pending
9. 2026-03-27
   status Auction
10. 2026-03-18
    status Pending
11. 2026-02-24
    listed $59,900 Auction
12. 2025-12-05
    historical
13. 2025-11-24
    price
14. 2025-11-13
    status Auction
15. 2025-10-01
    status Pending
16. 2025-10-01
    status Active
17. 2025-09-30
    status Pending
18. 2025-09-22
    price
19. 2025-08-29
    price
20. 2025-08-29
    status Active
21. 2025-06-26
    status Pending
22. 2025-06-18
    status Active
23. 2025-05-28
    status Pending
24. 2025-05-14
    price
25. 2025-04-25
    price
26. 2025-04-10
    status Active
27. 2025-04-10
    price
28. 2025-02-03
    status Pending
29. 2025-01-24
    status Active
30. 2025-01-22
    status Pending
31. 2025-01-08
    price
32. 2024-12-20
    status Active
33. 2024-12-20
    price
34. 2024-12-11
    status Pending
35. 2024-11-26
    listed Auction
36. 1980-08-06
    soldstatus $86,500

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,074
• − Mortgage interest: −$3,355
• − Property taxes: −$898
• − Insurance: −$300
• − Repairs & maintenance: −$2,806
• − Management: −$2,806
• − Depreciation: −$1,743
• Taxable income: $23,166
• Est. tax owed @ 24.0%: −$5,560
• After-tax cash flow: $17,181/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: Rich Twp Hsd 227
• NCES district ID: 1733420
• Math proficiency: 5% ▼ -3.00%
• Reading proficiency: 12% ▬ 0.00%
• Median HH income: $56,056
• Composite: 8.93/100
• National rank: #9885
• State rank: #577 of 620 in IL

Livability — Country Club Hills

• Score: 75/100
• State rank: #212
• US rank: #3963

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Country Club Hills, IL
• City population: 16,549
• Population (ZIP): 16,549

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: Predominantly Black (87%)
• Race & ethnicity: Black 87% White 8% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 96% English-only · Spanish 2%

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: ▼ -79.73%
• Current HPI: 212.3917
• Rent YoY: —
• Metro: —
• 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

-30.8% since first listed

29 events — show timeline

• 2026-04-10 Pending — MRED as Distributed by MLS Grid
• 2026-03-27 Relisted — MRED as Distributed by MLS Grid
• 2026-03-18 Pending — MRED as Distributed by MLS Grid
• 2026-02-24 Listed $59,900 MRED as Distributed by MLS Grid
• 2025-12-05 Listing Removed — MRED as Distributed by MLS Grid
• 2025-11-24 Price Changed — MRED as Distributed by MLS Grid
• 2025-11-13 Relisted — MRED as Distributed by MLS Grid
• 2025-10-01 Pending — MRED as Distributed by MLS Grid
• 2025-10-01 Relisted — MRED as Distributed by MLS Grid
• 2025-09-30 Pending — MRED as Distributed by MLS Grid
• 2025-09-22 Price Changed — MRED as Distributed by MLS Grid
• 2025-08-29 Price Changed — MRED as Distributed by MLS Grid
• 2025-08-29 Relisted — MRED as Distributed by MLS Grid
• 2025-06-26 Pending — MRED as Distributed by MLS Grid
• 2025-06-18 Relisted — MRED as Distributed by MLS Grid
• 2025-05-28 Pending — MRED as Distributed by MLS Grid
• 2025-05-14 Price Changed — MRED as Distributed by MLS Grid
• 2025-04-25 Price Changed — MRED as Distributed by MLS Grid
• 2025-04-10 Relisted — MRED as Distributed by MLS Grid
• 2025-04-10 Price Changed — MRED as Distributed by MLS Grid
• 2025-02-03 Pending — MRED as Distributed by MLS Grid
• 2025-01-24 Relisted — MRED as Distributed by MLS Grid
• 2025-01-22 Pending — MRED as Distributed by MLS Grid
• 2025-01-08 Price Changed — MRED as Distributed by MLS Grid
• 2024-12-20 Relisted — MRED as Distributed by MLS Grid
• 2024-12-20 Price Changed — MRED as Distributed by MLS Grid
• 2024-12-11 Pending — MRED as Distributed by MLS Grid
• 2024-11-26 Listed — MRED as Distributed by MLS Grid
• 1980-08-06 Sold (Public Records) $86,500 Public Records

Property tax history

+1.1%/yr

Latest (2023): $8,761 · +76.5% YoY. Source: county tax records.