121 E Railroad St, Flora, IL 62839

1 bd · 2.5 ba · 6,960 sqft · built 1974 · Flora · SINGLE_FAMILY·source listing ↗

$59,900

rent, three ways

OnePercent model (vv1)$2,431/mo

wide honest range — HUD/comp anchors · $240–$2,431

HUD Fair Market Rent · 62839 · 1BR$710/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Clay

Flood risk indexRelatively High FEMA NRI

Median household income$53,685

Median area rent$745/mo

Median home value$84,300

the verdict

4.06%⚠vs 1.0% target

Unverified — model rent disagrees with HUD/comps

financing: 20% down · — (FRED, live) · 30yr

$59,900

4.06% · unverified

Intrinsic value · income approach

$160,225

63% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.