50 Malaga WayHot SpringsAR71909
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 50 Malaga Way, Hot Springs, AR, 71909 in Hot Springs is narrow, $149/mo net on $1,975/mo rent after the $825/mo debt service, but the property operates at break-even-plus, not a loss. At $183,500 with a 8.32% yield, the long-run equity case via 5% appreciation ($50,698 over five years) and $1,690/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 2.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $116,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $149 | $850 |
City averages based on Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,975 |
| Total Monthly Debt Service | $1,174 |
| DSCR Ratio | 1.68x |
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 1980
0.25 Acres lot
$N/A/sqft
$90 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71909, Hot Springs Village, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,653 (100%) |
| Owner Occupied HU | 8,230 (77.3%) |
| Renter Occupied HU | 1,134 (10.6%) |
| Vacant Housing Units | 1,289 (12.1%) |
| Median Home Value | $288,567 |
| Average Home Value | $337,292 |
Housing Distribution
Address Breakdown
Residential
10,339
Single Family
10,236
Multi-Family
103
Businesses
319
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 1980
0.25 Acres lot
$N/A/sqft
$90 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71909, Hot Springs Village, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,653 (100%) |
| Owner Occupied HU | 8,230 (77.3%) |
| Renter Occupied HU | 1,134 (10.6%) |
| Vacant Housing Units | 1,289 (12.1%) |
| Median Home Value | $288,567 |
| Average Home Value | $337,292 |
Housing Distribution
Address Breakdown
Residential
10,339
Single Family
10,236
Multi-Family
103
Businesses
319
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices