646 School StAmityAR71921
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 646 School St, Amity, AR, 71921 in Amity. At $349,900 it earns $2,335/mo in rent and distributes $232/mo to the owner after the $1,573/mo payment, a consistent 8.01% yield. DSCR 1.48 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $96,671 in value; $3,223/yr in principal paydown compounds ownership stake. Total projected return: $147,370.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $232 | $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 | $2,335 |
| Total Monthly Debt Service | $1,964 |
| DSCR Ratio | 1.19x |
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 2008
4.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71921, Amity, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,711 (100%) |
| Owner Occupied HU | 1,134 (66.3%) |
| Renter Occupied HU | 269 (15.7%) |
| Vacant Housing Units | 308 (18.0%) |
| Median Home Value | $144,375 |
| Average Home Value | $184,885 |
Housing Distribution
Address Breakdown
Residential
1,548
Single Family
1,548
Multi-Family
0
Businesses
57
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 2008
4.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71921, Amity, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,711 (100%) |
| Owner Occupied HU | 1,134 (66.3%) |
| Renter Occupied HU | 269 (15.7%) |
| Vacant Housing Units | 308 (18.0%) |
| Median Home Value | $144,375 |
| Average Home Value | $184,885 |
Housing Distribution
Address Breakdown
Residential
1,548
Single Family
1,548
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices