0 Highway 13/percy Bates RdOak ValeMS39656
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 0 Highway 13/percy Bates Rd, Oak Vale, MS, 39656 in Oak Vale is narrow, $131/mo net on $902/mo rent after the $567/mo debt service, but the property operates at break-even-plus, not a loss. At $126,000 with a 8.59% yield, the long-run equity case via 5% appreciation ($34,811 over five years) and $1,160/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $56,159.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $131 | $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 | $902 |
| Total Monthly Debt Service | $721 |
| DSCR Ratio | 1.25x |
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.
Lot
Built in N/A
42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39656, Oak Vale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 431 (100%) |
| Owner Occupied HU | 302 (70.1%) |
| Renter Occupied HU | 44 (10.2%) |
| Vacant Housing Units | 85 (19.7%) |
| Median Home Value | $131,818 |
| Average Home Value | $140,927 |
Housing Distribution
Address Breakdown
Residential
378
Single Family
378
Multi-Family
0
Businesses
11
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
Lot
Built in N/A
42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39656, Oak Vale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 431 (100%) |
| Owner Occupied HU | 302 (70.1%) |
| Renter Occupied HU | 44 (10.2%) |
| Vacant Housing Units | 85 (19.7%) |
| Median Home Value | $131,818 |
| Average Home Value | $140,927 |
Housing Distribution
Address Breakdown
Residential
378
Single Family
378
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Miles McNeese • River Ridge Properties, LLC
Mls Name: HSMLS
Mls Provider:
Mls ID: #136864
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.