211 S Bloomington St · Streator, IL 61364

$75,000

3 bd · 1.0 ba · 1,484 sqft · SingleFamily · 4 Days on market

8,015 sqft lot Est $135k · 44% under ↓ 21% since listing

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Why this score? — see what drove the B 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this spacious 3 bedroom, 1 bathroom home that combines character, comfort, and functionality. A large covered front porch greets you and offers the perfect spot to enjoy the outdoors. The living room welcomes you in and features a stone veneer gas fireplace, while the adjoining family room provides extra space to relax or entertain. The kitchen comes equipped with ample cabinet space as well as a stove and refrigerator, and the formal dining room is ideal for enjoying meals. Three bedrooms and a full bathroom with a walk-in shower provide an ideal layout, while a cozy sunroom offers a private retreat for unwinding. Additional highlights include timeless woodwork, built-in feature

Key facts

• Covered front porch
• Formal dining room
• Ample cabinet space

Tags

• COVERED FRONT PORCH
• STONE VENEER GAS FIREPLACE
• AMPLE CABINET SPACE
• FORMAL DINING ROOM
• WALK-IN SHOWER
• COZY SUNROOM

Property features AI

Finance

• Other: Property ownership is fee simple
• HOA & community: No master association fee required; School bus service

Exterior

• Parking: Detached garage owned with garage door opener; Gravel parking; Two garage spaces (two total parking spaces)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story
• Construction: Asphalt roof; Brick/mortar foundation; Built before 1978
• Exterior features: Street paved with curbs, sidewalks and street lights; Lot dimensions approximately 57.5 x 140; Less than 0.25 acre lot

Interior

• Kitchen: Range; Refrigerator; Eating area / breakfast bar
• Bedrooms: Three bedrooms (all on main level); Master bedroom on main level
• Flooring: Carpet in living room, family room, dining room and bedrooms; Vinyl in kitchen; Carpet in sun room
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas forced-air heating; Central air conditioning; Fuses for electric
• Interior features: Seven total rooms; Full unfinished basement; Separate dining room; Sun room
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $721 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Cap rate 17.8% vs local median 7.8% in Streator — 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 63/100 on livability (#752 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: amenities F, commute F, employment F.
• Streator Twp Hsd 40 (town): math 11% / reading 19% proficiency, ranked #513 of 620 in IL (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Streator Twp High School (math 11% / reading 19%, grade F, #462 of 693 statewide, top 68%, 809 students, 0% FRL).
• Market conditions: 87 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 8d on market — plan ~1-2 weeks tenant-placement turnaround); 82 units permitted in LaSalle County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($59k/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 $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• LaSalle County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts; this cycle's ask has dropped $20k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $75,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 2.09% ✓
• Cap rate: 17.83%
• Cash-on-cash: 41.21%
• DSCR: 2.83
• GRM: 4.0

CMA / ARV

• ARV (on-the-fly): $135,044
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
215 W Washington St	0.29mi	2/1.0 (-1)	1,449 (-2%)	8mo	$120,000	$83	71
216 Lasalle St	0.22mi	3/2.0	1,550 (+4%)	14mo	$40,000	$26	67
602 S Vermillion St	0.34mi	4/2.0 (+1)	1,608 (+8%)	0mo	$147,000	$91	61
114 W Washington St	0.18mi	3/1.5	1,652 (+11%)	13mo	$144,000	$87	60
702 N Harrison St	0.73mi	3/1.0	1,454 (-2%)	6mo	$150,000	$103	58
903 Milner St	0.69mi	3/2.0	1,536 (+4%)	1mo	$210,000	$137	58
112 W Kent St	0.41mi	3/2.0	1,368 (-8%)	10mo	$85,500	$63	55
117 W 9th St	0.64mi	3/1.0	1,288 (-13%)	9mo	$124,000	$96	41
808 E Hickory St	0.58mi	4/2.0 (+1)	1,300 (-12%)	5mo	$132,400	$102	39
616 N Everett St	0.70mi	3/2.0	1,314 (-12%)	7mo	$149,000	$113	38
1009 E Livingston St	0.74mi	3/1.0	1,308 (-12%)	13mo	$72,500	$55	35
111 W Larue St	0.66mi	4/2.0 (+1)	1,290 (-13%)	6mo	$94,900	$74	34

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: 37.8%
• Equity multiple: 2.61×
• Total profit: $33,800
• Equity at exit: $11,183

10-year hold

• IRR: 44.3%
• Equity multiple: 5.22×
• Total profit: $88,671
• Equity at exit: $6,485

Cash invested: $21,000 (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 61364

• Home prices YoY: -31.1%
• Active inventory: 87
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,569 high
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,125/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $721

Break-even live

Break-even rent $656

Max offer price $75,000

Occupancy floor 49%

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
503 S Bloomington St Streator, IL	3.0	1.0	1200	$1,500	$1.25	24d	1	0.21mi
514 Lundy St Streator, IL	3.0	1.0	1174	$1,700	$1.45	4d	1	0.36mi
514 Lundy St Streator, IL	4.0	1.5	1300	$1,700	$1.31	7d	1	0.36mi
402 S Illinois St Streator, IL	2.0	1.0	1116	$1,550	$1.39	22d	1	0.53mi
1409 Kelly St Streator, IL	3.0	1.0	1280	$1,750	$1.37	7d	1	1.30mi

Listing history 26 events

1. 2026-06-19
   days on market $75,000 Active 4 DOM
2. 2026-06-18
   days on market $75,000 Active 3 DOM
3. 2026-06-17
   days on market $75,000 Active 2 DOM
4. 2026-06-16
   days on marketlisting id $75,000 Active 1 DOM
5. 2026-06-15
   days on market $75,000 Active 276 DOM
6. 2026-06-14
   days on market $75,000 Active 274 DOM
7. 2026-06-12
   days on market $75,000 Active 273 DOM
8. 2026-06-09
   days on market $75,000 Active 270 DOM
9. 2026-06-08
   days on market $75,000 Active 269 DOM
10. 2026-06-07
    days on market $75,000 Active 268 DOM
11. 2026-06-05
    days on market $75,000 Active 265 DOM
12. 2026-06-03
    days on market $75,000 Active 264 DOM
13. 2026-06-02
    days on market $75,000 Active 263 DOM
14. 2026-06-01
    days on market $75,000 Active 262 DOM
15. 2026-05-31
    days on market $75,000 Active 261 DOM
16. 2026-05-30
    days on market $75,000 Active 260 DOM
17. 2026-05-08
    price $75,000
18. 2026-05-05
    status Active
19. 2026-04-28
    status Pending
20. 2026-04-20
    historical Contingent - Continue to Show
21. 2026-02-27
    price $85,000
22. 2026-02-10
    price $87,000
23. 2026-01-02
    price $91,000
24. 2025-10-28
    price $92,000
25. 2025-10-09
    price $93,500
26. 2025-09-05
    listed $95,000 Active

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

Taxation est. · year 1

• Rental income: $18,827
• − Mortgage interest: −$4,201
• − Property taxes: −$1,125
• − Insurance: −$375
• − Repairs & maintenance: −$1,506
• − Management: −$1,506
• − Depreciation: −$2,182
• Taxable income: $7,932
• Est. tax owed @ 24.0%: −$1,904
• After-tax cash flow: $6,750/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: Streator Twp Hsd 40
• NCES district ID: 1738100
• Math proficiency: 11% ▼ -4.00%
• Reading proficiency: 19% ▼ -1.00%
• Median HH income: $43,002
• Composite: 13.07/100
• National rank: #9561
• State rank: #513 of 620 in IL

Livability — Streator

• Score: 63/100
• State rank: #752
• US rank: #15266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Streator, IL
• County: La Salle County · 41,676 people
• City population: 17,963
• Metro: Ottawa, IL
• Population (ZIP): 17,963
• Household income: $59,060
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 450.0

Population outlook (LaSalle County) Hauer SSP2

• Today (2025): 107,080 people
• By 2030: 104,196 · -2.7%
• By 2040: 97,413 · -9.0%
• By 2050: 90,294 · -15.7%
• By 2075: 76,252 · -28.8%
• By 2100: 61,339 · -42.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 11% Two or more races 4% Black 3%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · LaSalle

• 2024 margin: R (+18.5) · D 40.1% · R 58.6% · Other 1.3%
• 2008→2024 swing: -29.6pp toward R · 2008: 11.1pp · 2024: -18.5pp
• All cycles: 2024: R+18.5 2020: R+14.3 2016: R+14.4 2012: R+0.4 2008: D+11.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.28%
• Current HPI: 233.5533
• Rent YoY: —
• Metro: Ottawa, IL
• 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

-21.1% since first listed

10 events — show timeline

• 2026-05-08 Price Changed $75,000 MRED as Distributed by MLS Grid
• 2026-05-05 Relisted — MRED as Distributed by MLS Grid
• 2026-04-28 Pending — MRED as Distributed by MLS Grid
• 2026-04-20 Contingent — MRED as Distributed by MLS Grid
• 2026-02-27 Price Changed $85,000 MRED as Distributed by MLS Grid
• 2026-02-10 Price Changed $87,000 MRED as Distributed by MLS Grid
• 2026-01-02 Price Changed $91,000 MRED as Distributed by MLS Grid
• 2025-10-28 Price Changed $92,000 MRED as Distributed by MLS Grid
• 2025-10-09 Price Changed $93,500 MRED as Distributed by MLS Grid
• 2025-09-05 Listed $95,000 MRED as Distributed by MLS Grid