1300 S James StHopeAR71801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1300 S James St, Hope, AR, 71801 in Hope: $981/mo in rent, $221/mo in net income, 9.31% gross yield, 1.72 DSCR, all at $126,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $34,950 in appreciation and $1,165/yr in principal paydown projects total cumulative return of $62,071.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.0% |
| Monthly Cash Flow | $221 | $500 |
City averages based on Hope market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $981 |
| Total Monthly Debt Service | $710 |
| DSCR Ratio | 1.38x |
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 1969
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71801, Hope, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,957 (100%) |
| Owner Occupied HU | 3,690 (53.0%) |
| Renter Occupied HU | 2,133 (30.7%) |
| Vacant Housing Units | 1,134 (16.3%) |
| Median Home Value | $137,800 |
| Average Home Value | $168,683 |
Housing Distribution
Address Breakdown
Residential
6,662
Single Family
6,623
Multi-Family
39
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 1969
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71801, Hope, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,957 (100%) |
| Owner Occupied HU | 3,690 (53.0%) |
| Renter Occupied HU | 2,133 (30.7%) |
| Vacant Housing Units | 1,134 (16.3%) |
| Median Home Value | $137,800 |
| Average Home Value | $168,683 |
Housing Distribution
Address Breakdown
Residential
6,662
Single Family
6,623
Multi-Family
39
Businesses
470
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices