904 S Commerce StLittle RockAR72202
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 904 S Commerce St, Little Rock, AR, 72202 in Little Rock fits: $950,000, 1.82% gross yield, and a projected 5% annual appreciation rate adding $262,467 in value within five years. Rental yield 1.82%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.34) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,750/yr in principal paydown and $262,467 in appreciation project a total return of $84,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 7.1% |
| Monthly Cash Flow | $(4,271) | $425 |
City averages based on Little Rock market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $5,333 |
| DSCR Ratio | 0.27x |
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.
Multi Family
Built in 1910
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72202, Little Rock, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,396 (100%) |
| Owner Occupied HU | 1,735 (23.5%) |
| Renter Occupied HU | 4,292 (58.0%) |
| Vacant Housing Units | 1,369 (18.5%) |
| Median Home Value | $296,340 |
| Average Home Value | $477,269 |
Housing Distribution
Address Breakdown
Residential
6,517
Single Family
3,529
Multi-Family
2,988
Businesses
724
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
Multi Family
Built in 1910
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72202, Little Rock, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,396 (100%) |
| Owner Occupied HU | 1,735 (23.5%) |
| Renter Occupied HU | 4,292 (58.0%) |
| Vacant Housing Units | 1,369 (18.5%) |
| Median Home Value | $296,340 |
| Average Home Value | $477,269 |
Housing Distribution
Address Breakdown
Residential
6,517
Single Family
3,529
Multi-Family
2,988
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CARMLS
Mls ID: #26019851