139 Garden DrMount IdaAR71957
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 139 Garden Dr, Mount Ida, AR, 71957 in Mount Ida fits: $460,000, 4.98% gross yield, and a projected 5% annual appreciation rate adding $127,090 in value within five years. Rental yield 4.98%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,237/yr in principal paydown and $127,090 in appreciation project a total return of $118,964.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(857) | $150 |
City averages based on Mount Ida market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,908 |
| Total Monthly Debt Service | $2,582 |
| DSCR Ratio | 0.74x |
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 1994
5.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71957, Mount Ida, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,410 (100%) |
| Owner Occupied HU | 999 (41.5%) |
| Renter Occupied HU | 346 (14.4%) |
| Vacant Housing Units | 1,065 (44.2%) |
| Median Home Value | $293,287 |
| Average Home Value | $323,331 |
Housing Distribution
Address Breakdown
Residential
1,244
Single Family
1,229
Multi-Family
15
Businesses
184
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 1994
5.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71957, Mount Ida, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,410 (100%) |
| Owner Occupied HU | 999 (41.5%) |
| Renter Occupied HU | 346 (14.4%) |
| Vacant Housing Units | 1,065 (44.2%) |
| Median Home Value | $293,287 |
| Average Home Value | $323,331 |
Housing Distribution
Address Breakdown
Residential
1,244
Single Family
1,229
Multi-Family
15
Businesses
184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices