2305 Bergman StPea RidgeAR72751
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 2305 Bergman St, Pea Ridge, AR, 72751 in Pea Ridge. Rental yield 4.7%. At $566,370 with 4.7% gross yield, current distributions are modest, but the 5% appreciation rate projects $156,478 in new equity by year five, complemented by $5,216/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.87) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $135,581.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 7.2% |
| Monthly Cash Flow | $(1,226) | $285 |
City averages based on Pea Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $3,221 |
| DSCR Ratio | 0.69x |
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 2025
0.26 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72751, Pea Ridge, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,093 (100%) |
| Owner Occupied HU | 3,223 (78.7%) |
| Renter Occupied HU | 668 (16.3%) |
| Vacant Housing Units | 202 ( 4.9%) |
| Median Home Value | $324,500 |
| Average Home Value | $365,215 |
Housing Distribution
Address Breakdown
Residential
4,013
Single Family
4,013
Multi-Family
0
Businesses
201
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 2025
0.26 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72751, Pea Ridge, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,093 (100%) |
| Owner Occupied HU | 3,223 (78.7%) |
| Renter Occupied HU | 668 (16.3%) |
| Vacant Housing Units | 202 ( 4.9%) |
| Median Home Value | $324,500 |
| Average Home Value | $365,215 |
Housing Distribution
Address Breakdown
Residential
4,013
Single Family
4,013
Multi-Family
0
Businesses
201
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Misty McMullen • McMullen Realty Group
Mls Name: ArkansasOne MLS
Mls Provider:
Mls ID: #1304698
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.