315 W 3rd StMalvernAR72104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.12% yield at 315 W 3rd St, Malvern, AR, 72104 in Malvern is solid, but the $490/mo payment compresses net cash flow to $173/mo at $109,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $30,115 by year five, and $1,004/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.69) without U.S. income documentation. Total projected return: $52,413.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $173 | $300 |
City averages based on Malvern market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $828 |
| Total Monthly Debt Service | $612 |
| DSCR Ratio | 1.35x |
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 1950
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72104, Malvern, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,847 (100%) |
| Owner Occupied HU | 6,212 (63.1%) |
| Renter Occupied HU | 2,518 (25.6%) |
| Vacant Housing Units | 1,117 (11.3%) |
| Median Home Value | $159,224 |
| Average Home Value | $194,287 |
Housing Distribution
Address Breakdown
Residential
9,349
Single Family
9,103
Multi-Family
246
Businesses
791
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 1950
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72104, Malvern, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,847 (100%) |
| Owner Occupied HU | 6,212 (63.1%) |
| Renter Occupied HU | 2,518 (25.6%) |
| Vacant Housing Units | 1,117 (11.3%) |
| Median Home Value | $159,224 |
| Average Home Value | $194,287 |
Housing Distribution
Address Breakdown
Residential
9,349
Single Family
9,103
Multi-Family
246
Businesses
791
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Riggan • McClure Real Estate
Mls Name: CARMLS
Mls Provider:
Mls ID: #25032041
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