309 SenterEtowahAR72428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 309 Senter, Etowah, AR, 72428 in Etowah is narrow, $193/mo net on $854/mo rent after the $495/mo debt service, but the property operates at break-even-plus, not a loss. At $110,000 with a 9.32% yield, the long-run equity case via 5% appreciation ($30,391 over five years) and $1,013/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.73 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $54,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.5% |
| Monthly Cash Flow | $193 | $350 |
City averages based on Etowah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $854 |
| Total Monthly Debt Service | $617 |
| DSCR Ratio | 1.38x |
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 1989
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72428, Etowah, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 81 (100%) |
| Owner Occupied HU | 51 (63.0%) |
| Renter Occupied HU | 22 (27.2%) |
| Vacant Housing Units | 8 ( 9.9%) |
| Median Home Value | $121,875 |
| Average Home Value | $151,569 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
6
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 1989
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72428, Etowah, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 81 (100%) |
| Owner Occupied HU | 51 (63.0%) |
| Renter Occupied HU | 22 (27.2%) |
| Vacant Housing Units | 8 ( 9.9%) |
| Median Home Value | $121,875 |
| Average Home Value | $151,569 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices