281 Bridge Creek RdHoratioAR71842
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 281 Bridge Creek Rd, Horatio, AR, 71842 in Horatio fits: $440,000, 4.49% gross yield, and a projected 5% annual appreciation rate adding $121,564 in value within five years. Rental yield 4.49%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.83) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,052/yr in principal paydown and $121,564 in appreciation project a total return of $102,329.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 9.0% |
| Monthly Cash Flow | $(997) | $800 |
City averages based on Horatio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,648 |
| Total Monthly Debt Service | $2,470 |
| DSCR Ratio | 0.67x |
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 1972
38.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71842, Horatio, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 962 (100%) |
| Owner Occupied HU | 608 (63.2%) |
| Renter Occupied HU | 190 (19.8%) |
| Vacant Housing Units | 164 (17.0%) |
| Median Home Value | $145,192 |
| Average Home Value | $151,447 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
631
Multi-Family
0
Businesses
35
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 1972
38.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71842, Horatio, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 962 (100%) |
| Owner Occupied HU | 608 (63.2%) |
| Renter Occupied HU | 190 (19.8%) |
| Vacant Housing Units | 164 (17.0%) |
| Median Home Value | $145,192 |
| Average Home Value | $151,447 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
631
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra K Brewster • Hale Real Estate Sales
Mls Name: CARMLS
Mls Provider:
Mls ID: #24032070
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