108 Vector LnHot SpringsAR71913
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 108 Vector Ln, Hot Springs, AR, 71913 in Hot Springs is capital appreciation. Rental yield 3.57%. The 3.57% gross yield at $1,049,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $289,819 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.66) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $191,944.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.8% |
| Monthly Cash Flow | $(3,219) | $850 |
City averages based on Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $5,888 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2015
0.49 Acres lot
$N/A/sqft
No 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
Single Family
Built in 2015
0.49 Acres lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: CARMLS
Mls ID: #26009208