3851 Spencer Crossing DrBentonAR72019
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3851 Spencer Crossing Dr, Benton, AR, 72019 in Benton is listed at $313,900 and delivers $2,195/mo in rent and $287/mo in net monthly cash flow. The 8.39% yield and 1.56 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 $86,725 over five years, and $2,891/yr in principal reduction supplements cash return. Total projected cumulative return: $138,669.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.8% |
| Monthly Cash Flow | $287 | $450 |
City averages based on Benton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,195 |
| Total Monthly Debt Service | $1,762 |
| DSCR Ratio | 1.25x |
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices