12800 James Fork RdHartfordAR72938
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 12800 James Fork Rd, Hartford, AR, 72938 in Hartford. Rental yield 4.11%. At $474,900 with 4.11% gross yield, current distributions are modest, but the 5% appreciation rate projects $131,206 in new equity by year five, complemented by $4,374/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.76) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $100,625.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(1,230) | $300 |
City averages based on Hartford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,625 |
| Total Monthly Debt Service | $2,666 |
| DSCR Ratio | 0.61x |
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 2005
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72938, Hartford, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 598 (100%) |
| Owner Occupied HU | 422 (70.6%) |
| Renter Occupied HU | 84 (14.0%) |
| Vacant Housing Units | 92 (15.4%) |
| Median Home Value | $179,167 |
| Average Home Value | $258,637 |
Housing Distribution
Address Breakdown
Residential
379
Single Family
379
Multi-Family
0
Businesses
15
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 2005
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72938, Hartford, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 598 (100%) |
| Owner Occupied HU | 422 (70.6%) |
| Renter Occupied HU | 84 (14.0%) |
| Vacant Housing Units | 92 (15.4%) |
| Median Home Value | $179,167 |
| Average Home Value | $258,637 |
Housing Distribution
Address Breakdown
Residential
379
Single Family
379
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices