5205 Rosewood CirFort SmithAR72903
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5205 Rosewood Cir, Fort Smith, AR, 72903 in Fort Smith at $299,999 earns $1,912/mo in rent and nets $109/mo after the $1,349/mo payment, a 7.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,884 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $2,763/yr in principal paydown, total projected return reaches $120,508.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.2% |
| Monthly Cash Flow | $109 | $450 |
City averages based on Fort Smith market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,912 |
| Total Monthly Debt Service | $1,684 |
| DSCR Ratio | 1.14x |
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 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72903, Fort Smith, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,214 (100%) |
| Owner Occupied HU | 5,761 (47.2%) |
| Renter Occupied HU | 5,289 (43.3%) |
| Vacant Housing Units | 1,164 ( 9.5%) |
| Median Home Value | $244,654 |
| Average Home Value | $305,575 |
Housing Distribution
Address Breakdown
Residential
11,984
Single Family
9,249
Multi-Family
2,735
Businesses
1,292
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 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72903, Fort Smith, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,214 (100%) |
| Owner Occupied HU | 5,761 (47.2%) |
| Renter Occupied HU | 5,289 (43.3%) |
| Vacant Housing Units | 1,164 ( 9.5%) |
| Median Home Value | $244,654 |
| Average Home Value | $305,575 |
Housing Distribution
Address Breakdown
Residential
11,984
Single Family
9,249
Multi-Family
2,735
Businesses
1,292
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Team Shoppach • O'Neal Real Estate- Fort Smith
Mls Name: Western River Valley BOR
Mls ID: #1083171