912 College StCoal HillAR72832
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 912 College St, Coal Hill, AR, 72832 in Coal Hill is narrow, $83/mo net on $1,676/mo rent after the $1,192/mo debt service, but the property operates at break-even-plus, not a loss. At $265,000 with a 7.59% yield, the long-run equity case via 5% appreciation ($73,215 over five years) and $2,441/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $105,643.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $83 | $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 | $1,676 |
| Total Monthly Debt Service | $1,488 |
| DSCR Ratio | 1.13x |
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 2020
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72832, Coal Hill, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 289 (62.3%) |
| Renter Occupied HU | 79 (17.0%) |
| Vacant Housing Units | 96 (20.7%) |
| Median Home Value | $114,205 |
| Average Home Value | $143,512 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
257
Multi-Family
21
Businesses
19
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 2020
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72832, Coal Hill, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 289 (62.3%) |
| Renter Occupied HU | 79 (17.0%) |
| Vacant Housing Units | 96 (20.7%) |
| Median Home Value | $114,205 |
| Average Home Value | $143,512 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
257
Multi-Family
21
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices