2026 Dry Creek RdSaint JoeAR72675
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2026 Dry Creek Rd, Saint Joe, AR, 72675 in Saint Joe at $525,000 earns $3,242/mo in rent and nets $86/mo after the $2,361/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $145,048 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $4,835/yr in principal paydown, total projected return reaches $204,184.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $86 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,242 |
| Total Monthly Debt Service | $2,947 |
| DSCR Ratio | 1.10x |
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
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72675, Saint Joe, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 940 (100%) |
| Owner Occupied HU | 542 (57.7%) |
| Renter Occupied HU | 105 (11.2%) |
| Vacant Housing Units | 293 (31.2%) |
| Median Home Value | $137,000 |
| Average Home Value | $244,603 |
Housing Distribution
Address Breakdown
Residential
663
Single Family
663
Multi-Family
0
Businesses
22
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
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72675, Saint Joe, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 940 (100%) |
| Owner Occupied HU | 542 (57.7%) |
| Renter Occupied HU | 105 (11.2%) |
| Vacant Housing Units | 293 (31.2%) |
| Median Home Value | $137,000 |
| Average Home Value | $244,603 |
Housing Distribution
Address Breakdown
Residential
663
Single Family
663
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Billy B Baker • BBB REALTY - UNITED COUNTRY
Mls Name: Mountain Home MLS
Mls ID: #129198
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.