3685 Highway 70 WKirbyAR71950
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3685 Highway 70 W, Kirby, AR, 71950 in Kirby. Rental yield 4.44%. At $520,000 with 4.44% gross yield, current distributions are modest, but the 5% appreciation rate projects $143,666 in new equity by year five, complemented by $4,789/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.82) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $119,538.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 9.0% |
| Monthly Cash Flow | $(1,201) | $500 |
City averages based on Kirby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,925 |
| Total Monthly Debt Service | $2,919 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1979
6.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71950, Kirby, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 263 (49.5%) |
| Renter Occupied HU | 49 ( 9.2%) |
| Vacant Housing Units | 219 (41.2%) |
| Median Home Value | $132,292 |
| Average Home Value | $214,990 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
317
Multi-Family
0
Businesses
19
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 1979
6.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71950, Kirby, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 263 (49.5%) |
| Renter Occupied HU | 49 ( 9.2%) |
| Vacant Housing Units | 219 (41.2%) |
| Median Home Value | $132,292 |
| Average Home Value | $214,990 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
317
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices