319 Harding BlvdCotterAR72626
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.76% yield at 319 Harding Blvd, Cotter, AR, 72626 in Cotter is solid, but the $1,292/mo payment compresses net cash flow to $130/mo at $287,400. 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 $79,403 by year five, and $2,647/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.44) without U.S. income documentation. Total projected return: $117,211.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.0% |
| Monthly Cash Flow | $130 | $300 |
City averages based on Cotter market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,858 |
| Total Monthly Debt Service | $1,613 |
| DSCR Ratio | 1.15x |
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 2020
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72626, Cotter, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 803 (100%) |
| Owner Occupied HU | 430 (53.5%) |
| Renter Occupied HU | 198 (24.7%) |
| Vacant Housing Units | 175 (21.8%) |
| Median Home Value | $240,000 |
| Average Home Value | $253,017 |
Housing Distribution
Address Breakdown
Residential
657
Single Family
618
Multi-Family
39
Businesses
47
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 2020
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72626, Cotter, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 803 (100%) |
| Owner Occupied HU | 430 (53.5%) |
| Renter Occupied HU | 198 (24.7%) |
| Vacant Housing Units | 175 (21.8%) |
| Median Home Value | $240,000 |
| Average Home Value | $253,017 |
Housing Distribution
Address Breakdown
Residential
657
Single Family
618
Multi-Family
39
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices