212 E Douglas · Sciota, IL 61475

$59,000

2 bd · 1.0 ba · 1,026 sqft · Other public records · 7 Days on market

Built 1920 0.40 ac lot ↓ 3% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0

Listing remarks

Charming and affordable home located in the quiet community of Sciota! This 2-bedroom, 1 full bath home offers convenient one-level living and is perfect as a starter home, downsizing opportunity, or rental investment property. The home includes a laundry room, bathroom, kitchen, living room, 2 bedrooms, and an office/playroom. Situated on a spacious corner lot, the property also features a 2-car detached garage with plenty of room for parking and storage. Enjoy small-town living with great potential and easy maintenance all in one package! This home will be selling in "AS IS" condition.

Key facts

• Office playroom
• Laundry room
• One-level living

Tags

• CORNER LOT
• LAUNDRY ROOM
• DETACHED GARAGE
• ONE-LEVEL LIVING
• OFFICE PLAYROOM

Property features AI

Finance

• Other: Zoning: Single-family

Exterior

• Parking: Detached garage with 2 parking spaces (2 total)
• Utilities: Public water; Septic tank
• Home design: Detached single-family home; One-story
• Construction: Metal roof; Vinyl siding
• Exterior features: Deck; Porch

Interior

• Kitchen: Range
• Bedrooms: Two bedrooms on the main level
• Flooring: Hardwood in office; Carpet in living room and one bedroom; Wood laminate in kitchen, laundry, and one bedroom
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (natural gas); Wall cooling unit(s)
• Interior features: Crawl space basement; Main-level laundry
• Laundry & utility: Main-level laundry; Gas water heater; Fiber internet available

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $59k.

Deal economics

• At list price, monthly cash flow is $339 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($940 rent vs $59k).

Location & tenants

• Location reads 70/100 on livability (#370 in IL) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: crime C-, health & safety C-, amenities F.
• West Prairie CUSD 103 (rural): math 20% / reading 23% proficiency, ranked #408 of 620 in IL (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: West Prairie North Elementary Sch (math 34% / reading 15%, grade F, #844 of 2,056 statewide, top 41%, 174 students, 0% FRL); West Prairie Senior High School (math 10% / reading 30%, grade F, #357 of 693 statewide, top 54%, 162 students, 0% FRL) — zoned schools average 0% FRL vs 43% district-wide (43 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 2 active listings in the ZIP.

Forward outlook

• In year one you build about $2k of equity ($408 loan paydown + $2k appreciation (3.0% local appreciation)).
• At projected returns (3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $59,000

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.59% ✓
• Cap rate: 13.19%
• Cash-on-cash: 24.62%
• DSCR: 2.10
• GRM: 5.2

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: 30.7%
• Equity multiple: 2.74×
• Total profit: $28,705
• Equity at exit: $26,529

10-year hold

• IRR: 31.1%
• Equity multiple: 5.36×
• Total profit: $71,960
• Equity at exit: $40,884

Cash invested: $16,520 (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 61475

• Active inventory: 2
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $940 medium
• Mortgage (P&I): −$309
• Tax from tax record: −$70 /mo · $839/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$197
• Net cashflow: $339

Break-even live

Break-even rent $511

Max offer price $59,000

Occupancy floor 59%

Sensitivity live

Price	-10% $372	-5% $356	+0% $339	+5% $322	+10% $306
Rent	-10% $265	-5% $302	+0% $339	+5% $376	+10% $413
Rate	-1.0pp $369	-0.5pp $354	base $339	+0.5pp $324	+1.0pp $308

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: $14,750
• Closing costs: $1,770
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-09
   status $59,000 Pending 7 DOM
2. 2026-06-08
   days on market $59,000 Active 7 DOM
3. 2026-06-07
   days on market $59,000 Active 6 DOM
4. 2026-06-05
   days on market $59,000 Active 4 DOM
5. 2026-06-04
   days on market $59,000 Active 2 DOM
6. 2026-06-01
   remarks 595-char remark
7. 2026-06-01
   listed $59,000 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: $839 · $70/mo
• Projected year-2 tax: $1,089 · $91/mo
• Expected delta: +$250/yr (+$21/mo · 29.8%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥106°F today · 17 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: $11,283
• − Mortgage interest: −$3,305
• − Property taxes: −$839
• − Insurance: −$295
• − Repairs & maintenance: −$903
• − Management: −$903
• − Depreciation: −$1,716
• Taxable income: $3,323
• Est. tax owed @ 24.0%: −$797
• After-tax cash flow: $3,269/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: West Prairie CUSD 103
• NCES district ID: 1700314
• Math proficiency: 20% ▬ 0.00%
• Reading proficiency: 23% ▼ -8.00%
• Median HH income: $44,721
• Composite: 18.65/100
• National rank: #8890
• State rank: #408 of 620 in IL

Livability — Sciota

• Score: 70/100
• State rank: #370
• US rank: #7710

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sciota, IL
• Population (ZIP): 211

Population outlook (McDonough County) Hauer SSP2

• Today (2025): 33,242 people
• By 2030: 33,318 · +0.2%
• By 2040: 33,520 · +0.8%
• By 2050: 33,630 · +1.2%
• By 2075: 33,657 · +1.2%
• By 2100: 33,127 · -0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (100%)
• Race & ethnicity: White 100%
• Common ancestry: Slovak 7% Iranian 4% Portuguese 4%

Political lean MEDSL · McDonough

• 2024 margin: R (+18.9) · D 39.7% · R 58.5% · Other 1.8%
• 2008→2024 swing: -24.4pp toward R · 2008: 5.6pp · 2024: -18.9pp
• All cycles: 2024: R+18.9 2020: R+16.6 2016: R+11.7 2012: R+1.5 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

-2.9% since first listed

2 events — show timeline

• 2026-06-01 Listed $59,000 MRED as Distributed by MLS Grid
• 2023-01-18 Sold (Public Records) $60,750 Public Records

Property tax history

+2.5%/yr

Latest (2024): $839 · +6.2% YoY. Source: county tax records.