125 N Mercer StMineral SpringsAR71851
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 125 N Mercer St, Mineral Springs, AR, 71851 in Mineral Springs earns a 11.27% gross yield at $115,000. Rent of $1,080/mo nets $389/mo after the $517/mo mortgage. The 2.09 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $31,772 and $1,059/yr in equity accumulation project a total cumulative return of $68,555.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $389 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $646 |
| DSCR Ratio | 1.67x |
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 1920
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71851, Mineral Springs, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,006 (100%) |
| Owner Occupied HU | 538 (53.5%) |
| Renter Occupied HU | 244 (24.3%) |
| Vacant Housing Units | 224 (22.3%) |
| Median Home Value | $119,167 |
| Average Home Value | $171,687 |
Housing Distribution
Address Breakdown
Residential
549
Single Family
549
Multi-Family
0
Businesses
34
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 1920
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71851, Mineral Springs, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,006 (100%) |
| Owner Occupied HU | 538 (53.5%) |
| Renter Occupied HU | 244 (24.3%) |
| Vacant Housing Units | 224 (22.3%) |
| Median Home Value | $119,167 |
| Average Home Value | $171,687 |
Housing Distribution
Address Breakdown
Residential
549
Single Family
549
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CARMLS
Mls ID: #26014461