6820 White DrCharlotteAR72522
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 6820 White Dr, Charlotte, AR, 72522 in Charlotte: $1,268/mo in rent, $487/mo in net income, 11.71% gross yield, 2.17 DSCR, all at $130,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $35,917 in appreciation and $1,197/yr in principal paydown projects total cumulative return of $80,477.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $487 | $300 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,268 |
| Total Monthly Debt Service | $730 |
| DSCR Ratio | 1.74x |
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72522, Charlotte, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 149 (100%) |
| Owner Occupied HU | 116 (77.9%) |
| Renter Occupied HU | 26 (17.4%) |
| Vacant Housing Units | 7 ( 4.7%) |
| Median Home Value | $187,500 |
| Average Home Value | $252,608 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
2
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72522, Charlotte, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 149 (100%) |
| Owner Occupied HU | 116 (77.9%) |
| Renter Occupied HU | 26 (17.4%) |
| Vacant Housing Units | 7 ( 4.7%) |
| Median Home Value | $187,500 |
| Average Home Value | $252,608 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherlyn B Orantes • Venture Realty Group - Batesville
Mls Name: CARMLS
Mls Provider:
Mls ID: #25032795
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