178 State School RdMonticelloAR71655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 178 State School Rd, Monticello, AR, 71655 in Monticello at $345,000, 5.75% gross yield, is a market-growth asset. Rental yield 5.75%. The $1,654/mo rent partially funds the $1,551/mo debt service; the core return is the 5%/yr price growth projected to add $95,317 over five years. Ziffy Mortgage's DSCR mortgage (1.07) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $103,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 8.0% |
| Monthly Cash Flow | $(420) | $1,500 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,654 |
| Total Monthly Debt Service | $1,937 |
| DSCR Ratio | 0.85x |
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 1983
6.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71655, Monticello, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,813 (100%) |
| Owner Occupied HU | 3,613 (53.0%) |
| Renter Occupied HU | 2,236 (32.8%) |
| Vacant Housing Units | 964 (14.1%) |
| Median Home Value | $181,828 |
| Average Home Value | $217,542 |
Housing Distribution
Address Breakdown
Residential
6,542
Single Family
6,114
Multi-Family
428
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 1983
6.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71655, Monticello, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,813 (100%) |
| Owner Occupied HU | 3,613 (53.0%) |
| Renter Occupied HU | 2,236 (32.8%) |
| Vacant Housing Units | 964 (14.1%) |
| Median Home Value | $181,828 |
| Average Home Value | $217,542 |
Housing Distribution
Address Breakdown
Residential
6,542
Single Family
6,114
Multi-Family
428
Businesses
470
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marty Baker • Monticello Realty
Mls Name: CARMLS
Mls Provider:
Mls ID: #24039218
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.