106 Shadow Ridge LnFairfield BayAR72088
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $149,900, 106 Shadow Ridge Ln, Fairfield Bay, AR, 72088 in Fairfield Bay generates $1,234/mo in rent (9.88% yield) but nets only $175/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.83) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $41,415. Total projected return: $68,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 8.0% |
| Monthly Cash Flow | $175 | $500 |
City averages based on Fairfield Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,234 |
| Total Monthly Debt Service | $999 |
| DSCR Ratio | 1.23x |
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 1975
6,534 sqft lot
$N/A/sqft
$158 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72088, Fairfield Bay, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,997 (100%) |
| Owner Occupied HU | 1,047 (52.4%) |
| Renter Occupied HU | 196 ( 9.8%) |
| Vacant Housing Units | 754 (37.8%) |
| Median Home Value | $156,010 |
| Average Home Value | $207,782 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,396
Multi-Family
58
Businesses
86
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 1975
6,534 sqft lot
$N/A/sqft
$158 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72088, Fairfield Bay, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,997 (100%) |
| Owner Occupied HU | 1,047 (52.4%) |
| Renter Occupied HU | 196 ( 9.8%) |
| Vacant Housing Units | 754 (37.8%) |
| Median Home Value | $156,010 |
| Average Home Value | $207,782 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,396
Multi-Family
58
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Larry Pettus • Accord Realty
Mls Name: CARMLS
Mls Provider:
Mls ID: #25009271
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.