4131 Hay TerFort SmithAR72916
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4131 Hay Ter, Fort Smith, AR, 72916 in Fort Smith. At $459,000 it earns $3,106/mo in rent and distributes $346/mo to the owner after the $2,064/mo payment, a consistent 8.12% yield. DSCR 1.50 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $126,813 in value; $4,227/yr in principal paydown compounds ownership stake. Total projected return: $196,036.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.2% |
| Monthly Cash Flow | $346 | $450 |
City averages based on Fort Smith market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,106 |
| Total Monthly Debt Service | $2,577 |
| DSCR Ratio | 1.21x |
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 2005
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72916, Fort Smith, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,386 (100%) |
| Owner Occupied HU | 3,356 (62.3%) |
| Renter Occupied HU | 1,604 (29.8%) |
| Vacant Housing Units | 426 ( 7.9%) |
| Median Home Value | $280,000 |
| Average Home Value | $323,005 |
Housing Distribution
Address Breakdown
Residential
5,120
Single Family
4,744
Multi-Family
376
Businesses
348
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 2005
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72916, Fort Smith, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,386 (100%) |
| Owner Occupied HU | 3,356 (62.3%) |
| Renter Occupied HU | 1,604 (29.8%) |
| Vacant Housing Units | 426 ( 7.9%) |
| Median Home Value | $280,000 |
| Average Home Value | $323,005 |
Housing Distribution
Address Breakdown
Residential
5,120
Single Family
4,744
Multi-Family
376
Businesses
348
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julia Snow • Eagle Pride Realty
Mls Name: My State MLS
Mls ID: #11623313