310 W Ruby StParagouldAR72450
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 310 W Ruby St, Paragould, AR, 72450 in Paragould is narrow, $162/mo net on $815/mo rent after the $486/mo debt service, but the property operates at break-even-plus, not a loss. At $108,000 with a 9.01% yield, the long-run equity case via 5% appreciation ($29,838 over five years) and $995/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $51,556.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $162 | $350 |
City averages based on Paragould market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $815 |
| Total Monthly Debt Service | $606 |
| DSCR Ratio | 1.34x |
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
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72450, Paragould, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,332 (100%) |
| Owner Occupied HU | 10,374 (59.9%) |
| Renter Occupied HU | 5,730 (33.1%) |
| Vacant Housing Units | 1,228 ( 7.1%) |
| Median Home Value | $202,019 |
| Average Home Value | $227,450 |
Housing Distribution
Address Breakdown
Residential
16,924
Single Family
16,288
Multi-Family
636
Businesses
1,128
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
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72450, Paragould, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,332 (100%) |
| Owner Occupied HU | 10,374 (59.9%) |
| Renter Occupied HU | 5,730 (33.1%) |
| Vacant Housing Units | 1,228 ( 7.1%) |
| Median Home Value | $202,019 |
| Average Home Value | $227,450 |
Housing Distribution
Address Breakdown
Residential
16,924
Single Family
16,288
Multi-Family
636
Businesses
1,128
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bernard J Raley • Weichert Realtors, Home Source
Mls Name: CARMLS
Mls Provider:
Mls ID: #25020914
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.