926 Adams StSaint CharlesAR72140
INVESTMENT ANALYSIS
Investment Verdict
Solid Income926 Adams St, Saint Charles, AR, 72140 in Saint Charles is a solid income-producing rental, 9.13% gross yield, $1,210/mo rent, $254/mo net cash flow on a $159,000 buy. DSCR 1.69 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $43,929 and $1,464/yr in principal reduction project a total cumulative return of $76,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $254 | $1,200 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,210 |
| Total Monthly Debt Service | $893 |
| DSCR Ratio | 1.36x |
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 N/A
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72140, Saint Charles, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 169 (100%) |
| Owner Occupied HU | 114 (67.5%) |
| Renter Occupied HU | 19 (11.2%) |
| Vacant Housing Units | 36 (21.3%) |
| Median Home Value | $154,000 |
| Average Home Value | $153,553 |
Housing Distribution
Address Breakdown
Residential
26
Single Family
26
Multi-Family
0
Businesses
9
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
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72140, Saint Charles, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 169 (100%) |
| Owner Occupied HU | 114 (67.5%) |
| Renter Occupied HU | 19 (11.2%) |
| Vacant Housing Units | 36 (21.3%) |
| Median Home Value | $154,000 |
| Average Home Value | $153,553 |
Housing Distribution
Address Breakdown
Residential
26
Single Family
26
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tina Cox • Cox Hometown Realty
Mls Name: CARMLS
Mls ID: #25027718