$2,600,000
Investment Summary
- Monthly Cash Flow
- -$11,908
- Cap Rate
- 0.2%
- Cash-on-Cash Return
- -23.9%
- Debt Coverage Ratio
- 0.03
- Internal Rate of Return (5 years)
- -19.1%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
St. Charles schools! Luxury estate on 5 acres with extreme privacy on Hub Rd, (which is a dead end street), an architectural masterpiece of the finest quality of craftsmanship, custom built by Midwest Custom Homes. The grounds are covered with the perfect mix of lush grass, beautiful flowers, majestic trees with outdoor lighting throughout, sprinkler system. As you enter the property, on the long, brick paver driveway with a circular turn around, to the residence, the attention to detail is immediately apparent, and it's obvious that no expense has been spared. The residence boasts 11,667 square feet of meticulously designed space. It is comfortable, yet grand with 5 bedrooms, 6 full and two half baths, 4 fireplaces, finished basement, 4 car garage, inground pool. The extensive custom designed millwork throughout the home is truly awe-inspiring and every room has its own story. You'll enjoy amenities like hand-hewn newel posts on the dual staircases, alder custom designed doors, hand painted artistry in the hallway, whole house speaker system, high ceilings, beamed ceilings, windows in every room for spectacular views, recessed lighting, wainscotting, crown molding, plus more. Walking to the front on the stone pathway you are greeted with a limestone porch and the most beautiful door made of alder, accented with a pane of iron accents crafted locally in Wasco. Stepping into the foyer is breath taking with the views of the curved staircase, 2nd floor cat walk staircase, limestone floor, voluminous ceilings. The office is private, with stone fireplace, built in bookcases. Formal living/music room accented by 4 columns. The hub of the house is the kitchen, formal dining room, sun room, family room. The layout and flow in this floor plan is perfect for gatherings. Storing and accessing items/serving pieces is easy with the spacious, custom butler's pantry as well as, a walk-in pantry. Kitchen is both stunning, and well equipped with Viking 6 burner, gas stove, sub-zero refrigerator/freezer, extensive cabinetry, center island, eat in area, abundance of seating. The family room beamed ceilings take your breath away, wet bar area, fireplace. The first floor primary suite boasts 2 enormous closets, fireplace, built in bookcases, sitting area, bathroom with heated floors, dual sinks, soaker tub, walk in shower. The four expansive upstairs bedrooms feature their own en-suite bathrooms with walk-in closets, window seats, themed, custom decorating. One of the bedrooms could be an in-law or second primary bedroom, since it has an enormous sitting area with entertainment center. Second floor, loft/library area is great for a quiet area to relax, read a book, sip your coffee or utilize the desk area for personal/business work with the killer view into the backyard. The finished English/walk-out basement has a, bar/kitchenette with fridge/freezer, ice maker, microwave, dishwasher and lots of cabinetry, eat in area, game area, 2 family room areas, exercise room, craft room, full bathroom with steam shower, fireplace, and even more storage. Nestled among the beautifully landscaped backyard oasis, on the expansive flagstone patio/outdoor grilling area you'll enjoy viewing wildlife/bird watching, sitting in the screened gazebo or swimming in the black bottom, salt water pool with diving board and water fall hot tub. The finished and heated four car garage has staircase to the basement, over 7 ft tall, cabinets. "Behind the scenes" amenities include three HVAC units, a generator, an extensive Eco water treatment system, back up sump pump. There is truly not a single detail that has been overlooked. Located within the St Charles school district in a private location that is also very convenient to area shopping and amenities. There are so many wonderful restaurants and boutiques in the surrounding area, as well as the beautiful Fox River with its miles of walking/biking trails. Adjacent to the Wayne Equestrian Riding Trails.
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Location
Property Details
Parking
- Description: Attached, Garage, Garage On-Site, Garage Door Opener(s), Transmitter(s), Heated, 7 Foot or more high garage door
- Details: Circular Driveway, Garage Door Opener, Heated Garage, Garage, On Site, Attached, Driveway
- Garage Spaces: 4
- Spaces Total: 4
Bedroom Information
- # of Bedrooms: 5
Bathroom Information
- # of Baths (Full): 6
- # of Baths (Partial): 2
- # of Baths (Total): 8.0
Interior Features
- # of Rooms: 16
- # of Stories: 2
- Attic: Yes
- Basement: Yes
- Basement Description: Sump Pump, Finished, Exterior Entry, Storage Space, Full, Daylight
- Fireplace: Yes
Exterior Features
- Exterior Walls Materials: Wood
- Foundation: Concrete Perimeter
- Roof Material: Shake
- Pool: Yes
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 0912100016
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 2001
Tax Information
- Annual Tax: $42,446
Utilities
- Water & Sewer: Well
- Heating: Natural Gas, Forced Air, Radiant, Zoned, Radiant Floor
- Cooling: Ceiling Fan(s), Central Air, Zoned
Location
- County: Kane
Listing Details
Investment Summary
- Monthly Cash Flow
- -$11,908
- Cap Rate
- 0.2%
- Cash-on-Cash Return
- -23.9%
- Debt Coverage Ratio
- 0.03
- Internal Rate of Return (5 years)
- -19.1%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $2,600,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$2,080,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $520,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $78,000 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $598,000 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 7,714 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $337 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $0.74 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $2,080,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 5.875% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $12,304 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $3,537 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $399 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $16,240 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $5,700 | $68,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$342 | -$4,104 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $5,358 | $64,296 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 62% | -$3,537 | -$42,446 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$399 | -$4,788 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$456 | -$5,472 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$285 | -$3,420 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$285 | -$3,420 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | n/a | n/a | n/a |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 87% | -$4,962 | -$59,546 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $396 | $4,752 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$12,304 | -$147,648 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $11,908 | $142,896 |