135 Highway SBlack OakAR72414
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 135 Highway S, Black Oak, AR, 72414 in Black Oak earns a 9.18% gross yield at $269,999. Rent of $2,065/mo nets $442/mo after the $1,214/mo mortgage. The 1.70 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $74,596 and $2,487/yr in equity accumulation project a total cumulative return of $130,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $442 | $400 |
City averages based on Black Oak market data in our database. Property projections are estimates.
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 | $2,065 |
| Total Monthly Debt Service | $1,516 |
| 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.
Single Family
Built in N/A
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72414, Black Oak, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 218 (100%) |
| Owner Occupied HU | 162 (74.3%) |
| Renter Occupied HU | 32 (14.7%) |
| Vacant Housing Units | 24 (11.0%) |
| Median Home Value | $59,130 |
| Average Home Value | $80,247 |
Housing Distribution
Address Breakdown
Residential
86
Single Family
86
Multi-Family
0
Businesses
13
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 N/A
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72414, Black Oak, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 218 (100%) |
| Owner Occupied HU | 162 (74.3%) |
| Renter Occupied HU | 32 (14.7%) |
| Vacant Housing Units | 24 (11.0%) |
| Median Home Value | $59,130 |
| Average Home Value | $80,247 |
Housing Distribution
Address Breakdown
Residential
86
Single Family
86
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices