221 Adams StLonokeAR72086
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 221 Adams St, Lonoke, AR, 72086 in Lonoke deserves attention. This $195,000 property earns $1,778/mo in rent, a 10.94% gross yield, and nets $606/mo after the $877/mo payment. DSCR 2.03 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $53,875 compounds alongside $1,796/yr in yearly equity build, for a total cumulative return of $112,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.0% |
| Monthly Cash Flow | $606 | $350 |
City averages based on Lonoke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,778 |
| Total Monthly Debt Service | $1,095 |
| DSCR Ratio | 1.62x |
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 1955
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72086, Lonoke, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,444 (100%) |
| Owner Occupied HU | 3,069 (69.1%) |
| Renter Occupied HU | 1,027 (23.1%) |
| Vacant Housing Units | 348 ( 7.8%) |
| Median Home Value | $213,330 |
| Average Home Value | $279,173 |
Housing Distribution
Address Breakdown
Residential
4,334
Single Family
4,296
Multi-Family
38
Businesses
365
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 1955
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72086, Lonoke, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,444 (100%) |
| Owner Occupied HU | 3,069 (69.1%) |
| Renter Occupied HU | 1,027 (23.1%) |
| Vacant Housing Units | 348 ( 7.8%) |
| Median Home Value | $213,330 |
| Average Home Value | $279,173 |
Housing Distribution
Address Breakdown
Residential
4,334
Single Family
4,296
Multi-Family
38
Businesses
365
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices