1305 Harvard AveFort SmithAR72908
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1305 Harvard Ave, Fort Smith, AR, 72908 in Fort Smith is narrow, $161/mo net on $1,315/mo rent after the $742/mo debt service, but the property operates at break-even-plus, not a loss. At $165,000 with a 8.42% yield, the long-run equity case via 5% appreciation ($45,586 over five years) and $1,520/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $80,906.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.2% |
| Monthly Cash Flow | $161 | $450 |
City averages based on Fort Smith market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,315 |
| Total Monthly Debt Service | $965 |
| DSCR Ratio | 1.36x |
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.
Multi Family
Built in 1980
0.28 Acres lot
$N/A/sqft
No HOA
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
Multi Family
Built in 1980
0.28 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori White • Cornerstone Realty Group
Mls Name: Western River Valley BOR
Mls ID: #1081561
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.