104 Valiant StHot SpringsAR71913
INVESTMENT ANALYSIS
Investment Verdict
Solid Income104 Valiant St, Hot Springs, AR, 71913 in Hot Springs earns a respectable 9.47% gross yield at $110,000, but after the $495/mo mortgage the net cash flow is $167/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.79) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $30,391 over five years, making equity the dominant return driver. Total projected return: $53,653.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.8% |
| Monthly Cash Flow | $167 | $850 |
City averages based on Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $885 |
| Total Monthly Debt Service | $657 |
| DSCR Ratio | 1.35x |
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.
Manufactured
Built in 1991
9,583 sqft lot
$N/A/sqft
$40 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71913, Hot Springs National Park, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,176 (100%) |
| Owner Occupied HU | 13,504 (51.6%) |
| Renter Occupied HU | 7,431 (28.4%) |
| Vacant Housing Units | 5,241 (20.0%) |
| Median Home Value | $247,974 |
| Average Home Value | $325,048 |
Housing Distribution
Address Breakdown
Residential
23,925
Single Family
21,402
Multi-Family
2,523
Businesses
1,770
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
Manufactured
Built in 1991
9,583 sqft lot
$N/A/sqft
$40 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71913, Hot Springs National Park, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,176 (100%) |
| Owner Occupied HU | 13,504 (51.6%) |
| Renter Occupied HU | 7,431 (28.4%) |
| Vacant Housing Units | 5,241 (20.0%) |
| Median Home Value | $247,974 |
| Average Home Value | $325,048 |
Housing Distribution
Address Breakdown
Residential
23,925
Single Family
21,402
Multi-Family
2,523
Businesses
1,770
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Eden • CBRPM Saline County
Mls Name: CARMLS
Mls Provider:
Mls ID: #25021097
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.