28 Shady LnHardyAR72542
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow28 Shady Ln, Hardy, AR, 72542 in Hardy is a top-tier cash-flow asset. At $120,000 it produces $3,097/mo in rent and $2,376/mo in net monthly income, a 30.97% gross rental yield. The DSCR of 5.74 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $28,510. Five-year appreciation adds $33,154, driving a total cumulative return of $198,261.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 31% | 8.0% |
| Monthly Cash Flow | $2,376 | $1,200 |
City averages based on Hardy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,097 |
| Total Monthly Debt Service | $674 |
| DSCR Ratio | 4.60x |
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
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72542, Hardy, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 1,346 (55.2%) |
| Renter Occupied HU | 382 (15.7%) |
| Vacant Housing Units | 709 (29.1%) |
| Median Home Value | $149,390 |
| Average Home Value | $187,678 |
Housing Distribution
Address Breakdown
Residential
1,870
Single Family
1,825
Multi-Family
45
Businesses
269
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
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72542, Hardy, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 1,346 (55.2%) |
| Renter Occupied HU | 382 (15.7%) |
| Vacant Housing Units | 709 (29.1%) |
| Median Home Value | $149,390 |
| Average Home Value | $187,678 |
Housing Distribution
Address Breakdown
Residential
1,870
Single Family
1,825
Multi-Family
45
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices