4487 Highway 95ClevelandAR72030
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4487 Highway 95, Cleveland, AR, 72030 in Cleveland is capital appreciation. Rental yield 3.5%. The 3.5% gross yield at $895,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $247,272 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.65) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $160,467.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 9.5% |
| Monthly Cash Flow | $(2,770) | $350 |
City averages based on Cleveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,610 |
| Total Monthly Debt Service | $5,024 |
| DSCR Ratio | 0.52x |
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 2008
114 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72030, Cleveland, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 301 (100%) |
| Owner Occupied HU | 179 (59.5%) |
| Renter Occupied HU | 36 (12.0%) |
| Vacant Housing Units | 86 (28.6%) |
| Median Home Value | $186,458 |
| Average Home Value | $241,145 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
8
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 2008
114 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72030, Cleveland, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 301 (100%) |
| Owner Occupied HU | 179 (59.5%) |
| Renter Occupied HU | 36 (12.0%) |
| Vacant Housing Units | 86 (28.6%) |
| Median Home Value | $186,458 |
| Average Home Value | $241,145 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric D Johnsgard • Live.Love.Arkansas Realty Group
Mls Name: CARMLS
Mls Provider:
Mls ID: #25034943
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