860 Richland Creek RdWitts SpringsAR72686
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.96% gross rental yield, 860 Richland Creek Rd, Witts Springs, AR, 72686 in Witts Springs is priced for capital growth, not immediate cash flow. The $475,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $131,234 by year five, with $4,375/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.10) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $147,758.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(497) | $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 | $2,358 |
| Total Monthly Debt Service | $2,666 |
| DSCR Ratio | 0.88x |
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
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72686, Witts Springs, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 153 (100%) |
| Owner Occupied HU | 90 (58.8%) |
| Renter Occupied HU | 23 (15.0%) |
| Vacant Housing Units | 40 (26.1%) |
| Median Home Value | $118,519 |
| Average Home Value | $206,667 |
Housing Distribution
Address Breakdown
Residential
100
Single Family
100
Multi-Family
0
Businesses
6
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
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72686, Witts Springs, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 153 (100%) |
| Owner Occupied HU | 90 (58.8%) |
| Renter Occupied HU | 23 (15.0%) |
| Vacant Housing Units | 40 (26.1%) |
| Median Home Value | $118,519 |
| Average Home Value | $206,667 |
Housing Distribution
Address Breakdown
Residential
100
Single Family
100
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roger Brian Boyer • River Valley Realty, Inc.
Mls Name: Arkansas Valley BOR
Mls Provider:
Mls ID: #24-1813
Disclaimer: Copyright Arkansas Valley Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.