522 N 32nd StFort SmithAR72903
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 522 N 32nd St, Fort Smith, AR, 72903 in Fort Smith is narrow, $79/mo net on $1,641/mo rent after the $1,147/mo debt service, but the property operates at break-even-plus, not a loss. At $255,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($70,452 over five years) and $2,349/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.2% |
| Monthly Cash Flow | $79 | $450 |
City averages based on Fort Smith market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,641 |
| Total Monthly Debt Service | $1,431 |
| DSCR Ratio | 1.15x |
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
0.32 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 1980
0.32 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: Alicia McCann • Keller Williams Platinum Realty
Mls Name: Western River Valley BOR
Mls ID: #1081754
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. Information is deemed reliable but not guaranteed.