10 Four Oaks LnCharlotteAR72522
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 10 Four Oaks Ln, Charlotte, AR, 72522 in Charlotte is narrow, $131/mo net on $2,412/mo rent after the $1,706/mo debt service, but the property operates at break-even-plus, not a loss. At $379,500 with a 7.63% yield, the long-run equity case via 5% appreciation ($104,849 over five years) and $3,495/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $152,086.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $131 | $300 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,412 |
| Total Monthly Debt Service | $2,130 |
| DSCR Ratio | 1.13x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2003
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72522, Charlotte, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 149 (100%) |
| Owner Occupied HU | 116 (77.9%) |
| Renter Occupied HU | 26 (17.4%) |
| Vacant Housing Units | 7 ( 4.7%) |
| Median Home Value | $187,500 |
| Average Home Value | $252,608 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2003
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72522, Charlotte, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 149 (100%) |
| Owner Occupied HU | 116 (77.9%) |
| Renter Occupied HU | 26 (17.4%) |
| Vacant Housing Units | 7 ( 4.7%) |
| Median Home Value | $187,500 |
| Average Home Value | $252,608 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Team Markowski 870-213-5683 • RICH REALTY
Mls Name: BBOR
Mls ID: #25-254
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.