314 Main StJoinerAR72350
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 314 Main St, Joiner, AR, 72350 in Joiner is listed at $114,900 and delivers $1,187/mo in rent and $496/mo in net monthly cash flow. The 12.39% yield and 2.30 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $31,745 over five years, and $1,058/yr in principal reduction supplements cash return. Total projected cumulative return: $75,422.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.2% |
| Monthly Cash Flow | $496 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,187 |
| Total Monthly Debt Service | $645 |
| DSCR Ratio | 1.84x |
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 1966
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72350, Joiner, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 495 (100%) |
| Owner Occupied HU | 273 (55.2%) |
| Renter Occupied HU | 150 (30.3%) |
| Vacant Housing Units | 72 (14.5%) |
| Median Home Value | $113,258 |
| Average Home Value | $183,352 |
Housing Distribution
Address Breakdown
Residential
365
Single Family
339
Multi-Family
26
Businesses
40
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 1966
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72350, Joiner, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 495 (100%) |
| Owner Occupied HU | 273 (55.2%) |
| Renter Occupied HU | 150 (30.3%) |
| Vacant Housing Units | 72 (14.5%) |
| Median Home Value | $113,258 |
| Average Home Value | $183,352 |
Housing Distribution
Address Breakdown
Residential
365
Single Family
339
Multi-Family
26
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices