7006 S Unity Rd · Polo, IL 61064

$155,000

4 bd · 1.0 ba · 2,150 sqft · SingleFamily · 16 Days on market

0.63 ac lot

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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 +21.9/30.0
• ARV discount +7.5/15.0
• DSCR +7.0/10.0
• 1% rule +4.8/10.0
• Livability +3.3/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

0.6 acre lot 2 story 4 bedroom living and dining rooms, eat in kitchen, main floor laundry, attached garage, LP gas plus electric baseboard heat. Property and LP gas tank sold AS-IS.

Key facts

• Level yard
• Half acre
• Mulberry trees

Tags

• HALF ACRE
• BONUS ROOM
• MUD ROOM COMBO LAUNDRY
• SPACIOUS BASEMENT
• LEVEL YARD
• MULBERRY TREES

Property features AI

Finance

• Other: Parcel number provided
• HOA & community: No master association fee required

Exterior

• Parking: Attached garage owned (2 garage spaces, 2 total parking)
• Utilities: Well water; Septic tank
• Home design: Detached single-family home; Two stories; Estimated living area; Built approximately 81–90 years ago; Built before 1978; Fee simple ownership; Directions: Rt 26 North out of Dixon to Unity Road, Polo; Located in unincorporated Woosung township
• Construction: Vinyl siding; Asphalt roof; Age indicated (81–90 years)
• Exterior features: Deck

Interior

• Kitchen: Eating area / table space; Microwave; Dishwasher; Refrigerator
• Bedrooms: Master bedroom on second floor (13 x 13); Bedroom 2 on second floor (13 x 13); Bedroom 3 on second floor (13 x 13); Bedroom 4 on second floor (13 x 13); Two second-floor bonus rooms (11 x 10 and 9 x 12)
• Flooring: Carpet in bedrooms and bonus rooms; Wood laminate in living room and dining room; Vinyl in kitchen and laundry; Laminate listed generally
• Bathrooms: One full bathroom
• Heating & cooling: Electric heating; Propane heating; Central air conditioning
• Interior features: First-floor full bathroom; Separate dining room; Eight total rooms; Unfinished full basement; School bus service
• Laundry & utility: Main-level laundry (13 x 9); Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $244 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $153k (1.6% below list).
• Recommended offer: $153k (1.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#548 in IL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities F, commute F.
• Polo CUSD 222 (rural): math 27% / reading 40% proficiency, ranked #210 of 620 in IL (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 19 active listings in the ZIP; 113 units permitted in Ogle County in 2024 (67 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Ogle County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 12y 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.
• Current owner paid $39k; list at $155k implies a 299% gain — meaningful room to come down on a strong offer.

Recommended offer $152,561 (1.6% below list)

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 D-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: 0.98% ✗
• Cap rate: 8.19%
• Cash-on-cash: 6.76%
• DSCR: 1.30
• GRM: 8.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -5.9%
• Equity multiple: 0.78×
• Total profit: $-9,590
• Equity at exit: $23,111

10-year hold

• IRR: 3.7%
• Equity multiple: 1.27×
• Total profit: $11,518
• Equity at exit: $13,402

Cash invested: $43,400 (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 61064

• Home prices YoY: -29.6%
• Active inventory: 19
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,526 medium
• Mortgage (P&I): −$813
• Tax from tax record: −$83 /mo · $1,000/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $244

Break-even live

Break-even rent $1,216

Max offer price $155,000

Occupancy floor 79%

Sensitivity live

Price	-10% $332	-5% $288	+0% $244	+5% $201	+10% $157
Rent	-10% $124	-5% $184	+0% $244	+5% $305	+10% $365
Rate	-1.0pp $323	-0.5pp $284	base $244	+0.5pp $204	+1.0pp $163

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-21
   days on market $155,000 Active 16 DOM
2. 2026-06-18
   days on market $155,000 Active 14 DOM
3. 2026-06-17
   days on market $155,000 Active 13 DOM
4. 2026-06-16
   days on market $155,000 Active 12 DOM
5. 2026-06-15
   days on market $155,000 Active 11 DOM
6. 2026-06-13
   days on market $155,000 Active 9 DOM
7. 2026-06-12
   days on market $155,000 Active 8 DOM
8. 2026-06-09
   days on market $155,000 Active 5 DOM
9. 2026-06-08
   days on market $155,000 Active 4 DOM
10. 2026-06-07
    days on market $155,000 Active 3 DOM
11. 2026-06-07
    remarks 699-char remark
12. 2026-06-07
    listed $155,000 Active 2 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: $1,000 · $83/mo
• Projected year-2 tax: $2,259 · $188/mo
• Expected delta: +$1,259/yr (+$105/mo · 126.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,307
• − Mortgage interest: −$8,682
• − Property taxes: −$1,000
• − Insurance: −$775
• − Repairs & maintenance: −$1,465
• − Management: −$1,465
• − Depreciation: −$4,509
• Taxable income: $412
• Est. tax owed @ 24.0%: −$99
• After-tax cash flow: $2,835/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: Polo CUSD 222
• NCES district ID: 1732100
• Math proficiency: 27% ▼ -6.00%
• Reading proficiency: 40% ▼ -8.00%
• Median HH income: $52,589
• Composite: 29.3/100
• National rank: #6555
• State rank: #210 of 620 in IL

Livability — Polo

• Score: 66/100
• State rank: #548
• US rank: #11547

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 3,891
• Population (ZIP): 3,891

Population outlook (Ogle County) Hauer SSP2

• Today (2025): 48,390 people
• By 2030: 46,346 · -4.2%
• By 2040: 41,772 · -13.7%
• By 2050: 36,911 · -23.7%
• By 2075: 27,130 · -43.9%
• By 2100: 18,627 · -61.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Lithuanian 2% Iranian 2% Romanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1% Arabic 1% German/W. Germanic 1%

Political lean MEDSL · Ogle

• 2024 margin: Strong R (+29.4) · D 34.5% · R 63.9% · Other 1.6%
• 2008→2024 swing: -21.8pp toward R · 2008: -7.6pp · 2024: -29.4pp
• All cycles: 2024: R+29.4 2020: R+25.9 2016: R+26.6 2012: R+16.7 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.65%
• Current HPI: 151.3314
• 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

+248.3% since first listed

4 events — show timeline

• 2026-06-04 Listed $155,000 MRED as Distributed by MLS Grid
• 2014-11-26 Sold (Public Records) $38,800 Public Records
• 2014-11-21 Sold (MLS) $38,800 MRED as Distributed by MLS Grid
• 2014-05-01 Listed $44,500 MRED as Distributed by MLS Grid

Property tax history

-1.0%/yr

Latest (2024): $1,000 · +21.3% YoY. Source: county tax records.