114 Cedar LnMonticelloAR71655
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 114 Cedar Ln, Monticello, AR, 71655 in Monticello is narrow, $47/mo net on $1,237/mo rent after the $890/mo debt service, but the property operates at break-even-plus, not a loss. At $198,000 with a 7.5% yield, the long-run equity case via 5% appreciation ($54,704 over five years) and $1,824/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $77,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $47 | $1,500 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,237 |
| Total Monthly Debt Service | $1,111 |
| DSCR Ratio | 1.11x |
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 1977
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71655, Monticello, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,813 (100%) |
| Owner Occupied HU | 3,613 (53.0%) |
| Renter Occupied HU | 2,236 (32.8%) |
| Vacant Housing Units | 964 (14.1%) |
| Median Home Value | $181,828 |
| Average Home Value | $217,542 |
Housing Distribution
Address Breakdown
Residential
6,542
Single Family
6,114
Multi-Family
428
Businesses
470
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 1977
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71655, Monticello, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,813 (100%) |
| Owner Occupied HU | 3,613 (53.0%) |
| Renter Occupied HU | 2,236 (32.8%) |
| Vacant Housing Units | 964 (14.1%) |
| Median Home Value | $181,828 |
| Average Home Value | $217,542 |
Housing Distribution
Address Breakdown
Residential
6,542
Single Family
6,114
Multi-Family
428
Businesses
470
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Connor G Wilkerson • Wilkerson Real Estate Company
Mls Name: CARMLS
Mls ID: #25035620