5625 Smith Creek EstOzarkAR72949
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5625 Smith Creek Est, Ozark, AR, 72949 in Ozark is priced for appreciation, not yield. Rental yield 3.3%. At $400,000 with a 3.3% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $110,513 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.61) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $67,438.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 7.0% |
| Monthly Cash Flow | $(1,304) | $250 |
City averages based on Ozark market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,100 |
| Total Monthly Debt Service | $2,245 |
| DSCR Ratio | 0.49x |
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.
Multi Family
Built in 2007
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72949, Ozark, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,425 (100%) |
| Owner Occupied HU | 2,814 (63.6%) |
| Renter Occupied HU | 1,069 (24.2%) |
| Vacant Housing Units | 542 (12.2%) |
| Median Home Value | $137,813 |
| Average Home Value | $165,492 |
Housing Distribution
Address Breakdown
Residential
4,144
Single Family
4,070
Multi-Family
74
Businesses
457
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
Multi Family
Built in 2007
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72949, Ozark, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,425 (100%) |
| Owner Occupied HU | 2,814 (63.6%) |
| Renter Occupied HU | 1,069 (24.2%) |
| Vacant Housing Units | 542 (12.2%) |
| Median Home Value | $137,813 |
| Average Home Value | $165,492 |
Housing Distribution
Address Breakdown
Residential
4,144
Single Family
4,070
Multi-Family
74
Businesses
457
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices