31 Hearthstone TrlViloniaAR72173
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 31 Hearthstone Trl, Vilonia, AR, 72173 in Vilonia. At $189,650 it earns $1,449/mo in rent and distributes $278/mo to the owner after the $853/mo payment, a consistent 9.17% yield. DSCR 1.70 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,397 in value; $1,747/yr in principal paydown compounds ownership stake. Total projected return: $89,828.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $278 | $300 |
City averages based on Vilonia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,449 |
| Total Monthly Debt Service | $1,095 |
| DSCR Ratio | 1.32x |
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 2025
7,405 sqft lot
$N/A/sqft
$370 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72173, Vilonia, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,854 (100%) |
| Owner Occupied HU | 2,951 (76.6%) |
| Renter Occupied HU | 661 (17.2%) |
| Vacant Housing Units | 242 ( 6.3%) |
| Median Home Value | $250,357 |
| Average Home Value | $296,621 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,940
Multi-Family
0
Businesses
209
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
7,405 sqft lot
$N/A/sqft
$370 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72173, Vilonia, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,854 (100%) |
| Owner Occupied HU | 2,951 (76.6%) |
| Renter Occupied HU | 661 (17.2%) |
| Vacant Housing Units | 242 ( 6.3%) |
| Median Home Value | $250,357 |
| Average Home Value | $296,621 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,940
Multi-Family
0
Businesses
209
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Owens • Lennar Realty
Mls Name: CARMLS
Mls Provider:
Mls ID: #25025167
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