188 Pine Knot RdFairfield BayAR72088
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 188 Pine Knot Rd, Fairfield Bay, AR, 72088 in Fairfield Bay at $219,900 earns $1,666/mo in rent and nets $126/mo after the $989/mo payment, a 9.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,754 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $2,025/yr in principal paydown, total projected return reaches $105,377.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.0% |
| Monthly Cash Flow | $126 | $500 |
City averages based on Fairfield Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,666 |
| Total Monthly Debt Service | $1,234 |
| DSCR Ratio | 1.35x |
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 1971
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72088, Fairfield Bay, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,997 (100%) |
| Owner Occupied HU | 1,047 (52.4%) |
| Renter Occupied HU | 196 ( 9.8%) |
| Vacant Housing Units | 754 (37.8%) |
| Median Home Value | $156,010 |
| Average Home Value | $207,782 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,396
Multi-Family
58
Businesses
86
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 1971
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72088, Fairfield Bay, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,997 (100%) |
| Owner Occupied HU | 1,047 (52.4%) |
| Renter Occupied HU | 196 ( 9.8%) |
| Vacant Housing Units | 754 (37.8%) |
| Median Home Value | $156,010 |
| Average Home Value | $207,782 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,396
Multi-Family
58
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela A Smith • Coldwell Banker Heritage Homes
Mls Name: CARMLS
Mls ID: #26002814