393 Smith StWest ForkAR72774
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 393 Smith St, West Fork, AR, 72774 in West Fork is narrow, $183/mo net on $2,160/mo rent after the $1,479/mo debt service, but the property operates at break-even-plus, not a loss. At $328,900 with a 7.88% yield, the long-run equity case via 5% appreciation ($90,869 over five years) and $3,029/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $136,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $183 | $300 |
City averages based on West Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,846 |
| DSCR Ratio | 1.17x |
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
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72774, West Fork, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,810 (100%) |
| Owner Occupied HU | 2,189 (77.9%) |
| Renter Occupied HU | 419 (14.9%) |
| Vacant Housing Units | 202 ( 7.2%) |
| Median Home Value | $306,454 |
| Average Home Value | $304,272 |
Housing Distribution
Address Breakdown
Residential
2,461
Single Family
2,461
Multi-Family
0
Businesses
96
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
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72774, West Fork, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,810 (100%) |
| Owner Occupied HU | 2,189 (77.9%) |
| Renter Occupied HU | 419 (14.9%) |
| Vacant Housing Units | 202 ( 7.2%) |
| Median Home Value | $306,454 |
| Average Home Value | $304,272 |
Housing Distribution
Address Breakdown
Residential
2,461
Single Family
2,461
Multi-Family
0
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices