20940 W State Highway 10HavanaAR72842
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20940 W State Highway 10, Havana, AR, 72842 in Havana deserves attention. This $227,000 property earns $1,916/mo in rent, a 10.13% gross yield, and nets $552/mo after the $1,021/mo payment. DSCR 1.88 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $62,716 compounds alongside $2,091/yr in yearly equity build, for a total cumulative return of $121,389.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $552 | $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 | $1,916 |
| Total Monthly Debt Service | $1,274 |
| DSCR Ratio | 1.50x |
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 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72842, Havana, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 609 (100%) |
| Owner Occupied HU | 419 (68.8%) |
| Renter Occupied HU | 114 (18.7%) |
| Vacant Housing Units | 76 (12.5%) |
| Median Home Value | $171,196 |
| Average Home Value | $227,667 |
Housing Distribution
Address Breakdown
Residential
526
Single Family
526
Multi-Family
0
Businesses
24
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 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72842, Havana, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 609 (100%) |
| Owner Occupied HU | 419 (68.8%) |
| Renter Occupied HU | 114 (18.7%) |
| Vacant Housing Units | 76 (12.5%) |
| Median Home Value | $171,196 |
| Average Home Value | $227,667 |
Housing Distribution
Address Breakdown
Residential
526
Single Family
526
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayla Parton • Arkansas Real Estate Collective
Mls Name: ArkansasOne MLS
Mls Provider:
Mls ID: #1312419
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.