4835 Heber Springs Rd #T13-R07Locust GroveAR72550
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4835 Heber Springs Rd #T13-R07, Locust Grove, AR, 72550 in Locust Grove is narrow, $106/mo net on $942/mo rent after the $625/mo debt service, but the property operates at break-even-plus, not a loss. At $139,000 with a 8.13% yield, the long-run equity case via 5% appreciation ($38,403 over five years) and $1,280/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $59,456.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $106 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $942 |
| Total Monthly Debt Service | $780 |
| 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.
Lot
Built in N/A
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72550, Locust Grove, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 405 (100%) |
| Owner Occupied HU | 258 (63.7%) |
| Renter Occupied HU | 69 (17.0%) |
| Vacant Housing Units | 78 (19.3%) |
| Median Home Value | $120,930 |
| Average Home Value | $211,434 |
Housing Distribution
Address Breakdown
Residential
316
Single Family
316
Multi-Family
0
Businesses
10
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
Lot
Built in N/A
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72550, Locust Grove, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 405 (100%) |
| Owner Occupied HU | 258 (63.7%) |
| Renter Occupied HU | 69 (17.0%) |
| Vacant Housing Units | 78 (19.3%) |
| Median Home Value | $120,930 |
| Average Home Value | $211,434 |
Housing Distribution
Address Breakdown
Residential
316
Single Family
316
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pamela Welch • Mossy Oak Properties Selling Arkansas
Mls Name: CARMLS
Mls Provider:
Mls ID: #24015317
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.