3166 State Highway 62/412HardyAR72542
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3166 State Highway 62/412, Hardy, AR, 72542 in Hardy is narrow, $171/mo net on $1,247/mo rent after the $805/mo debt service, but the property operates at break-even-plus, not a loss. At $179,000 with a 8.36% yield, the long-run equity case via 5% appreciation ($49,454 over five years) and $1,649/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.55 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $78,795.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $171 | $1,200 |
City averages based on Hardy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,247 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 1.24x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72542, Hardy, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 1,346 (55.2%) |
| Renter Occupied HU | 382 (15.7%) |
| Vacant Housing Units | 709 (29.1%) |
| Median Home Value | $149,390 |
| Average Home Value | $187,678 |
Housing Distribution
Address Breakdown
Residential
1,870
Single Family
1,825
Multi-Family
45
Businesses
269
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72542, Hardy, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 1,346 (55.2%) |
| Renter Occupied HU | 382 (15.7%) |
| Vacant Housing Units | 709 (29.1%) |
| Median Home Value | $149,390 |
| Average Home Value | $187,678 |
Housing Distribution
Address Breakdown
Residential
1,870
Single Family
1,825
Multi-Family
45
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices