803 S Main StHarrisburgAR72432
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 803 S Main St, Harrisburg, AR, 72432 in Harrisburg is narrow, $118/mo net on $1,559/mo rent after the $1,078/mo debt service, but the property operates at break-even-plus, not a loss. At $239,800 with a 7.8% yield, the long-run equity case via 5% appreciation ($66,252 over five years) and $2,209/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,364.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $118 | $300 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,559 |
| Total Monthly Debt Service | $1,346 |
| DSCR Ratio | 1.16x |
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 2011
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72432, Harrisburg, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,695 (100%) |
| Owner Occupied HU | 1,776 (65.9%) |
| Renter Occupied HU | 655 (24.3%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $139,524 |
| Average Home Value | $181,485 |
Housing Distribution
Address Breakdown
Residential
2,525
Single Family
2,421
Multi-Family
104
Businesses
222
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 2011
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72432, Harrisburg, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,695 (100%) |
| Owner Occupied HU | 1,776 (65.9%) |
| Renter Occupied HU | 655 (24.3%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $139,524 |
| Average Home Value | $181,485 |
Housing Distribution
Address Breakdown
Residential
2,525
Single Family
2,421
Multi-Family
104
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Morgan • Halsey Real Estate
Mls Name: CARMLS
Mls ID: #25029730