23 Fineza WayHot SpringsAR71909
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 23 Fineza Way, Hot Springs, AR, 71909 in Hot Springs offers a clean, manageable entry. Rental yield 6.14%. DSCR 1.14 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $139,522 in additional property value over five years, with $4,651/yr in principal equity building ownership stake. Total projected cumulative return: $162,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.8% |
| Monthly Cash Flow | $(567) | $850 |
City averages based on Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,585 |
| Total Monthly Debt Service | $2,835 |
| DSCR Ratio | 0.91x |
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 1995
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71909, Hot Springs Village, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,653 (100%) |
| Owner Occupied HU | 8,230 (77.3%) |
| Renter Occupied HU | 1,134 (10.6%) |
| Vacant Housing Units | 1,289 (12.1%) |
| Median Home Value | $288,567 |
| Average Home Value | $337,292 |
Housing Distribution
Address Breakdown
Residential
10,339
Single Family
10,236
Multi-Family
103
Businesses
319
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 1995
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71909, Hot Springs Village, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,653 (100%) |
| Owner Occupied HU | 8,230 (77.3%) |
| Renter Occupied HU | 1,134 (10.6%) |
| Vacant Housing Units | 1,289 (12.1%) |
| Median Home Value | $288,567 |
| Average Home Value | $337,292 |
Housing Distribution
Address Breakdown
Residential
10,339
Single Family
10,236
Multi-Family
103
Businesses
319
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CARMLS
Mls ID: #26008044