85 Mc #142OaklandAR72661
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play85 Mc #142, Oakland, AR, 72661 in Oakland is priced for appreciation, not yield. Rental yield 3.85%. At $998,900 with a 3.85% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $275,978 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.71) 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: $197,705.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 8.0% |
| Monthly Cash Flow | $(2,802) | $300 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,203 |
| Total Monthly Debt Service | $5,607 |
| DSCR Ratio | 0.57x |
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.
Single Family
Built in N/A
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72661, Oakland, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 503 (100%) |
| Owner Occupied HU | 292 (58.1%) |
| Renter Occupied HU | 21 ( 4.2%) |
| Vacant Housing Units | 190 (37.8%) |
| Median Home Value | $224,286 |
| Average Home Value | $232,765 |
Housing Distribution
Address Breakdown
Residential
313
Single Family
313
Multi-Family
0
Businesses
10
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
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72661, Oakland, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 503 (100%) |
| Owner Occupied HU | 292 (58.1%) |
| Renter Occupied HU | 21 ( 4.2%) |
| Vacant Housing Units | 190 (37.8%) |
| Median Home Value | $224,286 |
| Average Home Value | $232,765 |
Housing Distribution
Address Breakdown
Residential
313
Single Family
313
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices