14103 N State Highway 23RatcliffAR72951
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 14103 N State Highway 23, Ratcliff, AR, 72951 in Ratcliff is a conservative rental investment at $275,000. Rental yield 7.07%. A 1.31 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $75,977; $2,533/yr in principal paydown supplements. Total projected return: $101,967.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $(32) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,621 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.05x |
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 1962
4.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72951, Ratcliff, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 304 (72.0%) |
| Renter Occupied HU | 76 (18.0%) |
| Vacant Housing Units | 42 ( 10.0%) |
| Median Home Value | $151,190 |
| Average Home Value | $172,146 |
Housing Distribution
Address Breakdown
Residential
377
Single Family
377
Multi-Family
0
Businesses
37
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 1962
4.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 72951, Ratcliff, AR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 304 (72.0%) |
| Renter Occupied HU | 76 (18.0%) |
| Vacant Housing Units | 42 ( 10.0%) |
| Median Home Value | $151,190 |
| Average Home Value | $172,146 |
Housing Distribution
Address Breakdown
Residential
377
Single Family
377
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices