10097 Old Nicholson RdBay Saint LouisMS39520
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 10097 Old Nicholson Rd, Bay Saint Louis, MS, 39520 in Bay Saint Louis speaks for itself: 11.07% gross on a $342,000 price, generating $3,154/mo in rent and $1,061/mo in net income after the $1,538/mo debt service. DSCR 2.05, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,729 stacks alongside $94,488 in projected five-year appreciation and $3,150/yr in principal reduction. Projected total cumulative return: $197,900.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $1,061 | $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 | $3,154 |
| Total Monthly Debt Service | $1,957 |
| DSCR Ratio | 1.61x |
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 2013
1.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39520, Bay Saint Louis, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,122 (100%) |
| Owner Occupied HU | 4,375 (53.9%) |
| Renter Occupied HU | 2,157 (26.6%) |
| Vacant Housing Units | 1,590 (19.6%) |
| Median Home Value | $228,185 |
| Average Home Value | $286,488 |
Housing Distribution
Address Breakdown
Residential
7,047
Single Family
6,410
Multi-Family
637
Businesses
492
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 2013
1.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39520, Bay Saint Louis, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,122 (100%) |
| Owner Occupied HU | 4,375 (53.9%) |
| Renter Occupied HU | 2,157 (26.6%) |
| Vacant Housing Units | 1,590 (19.6%) |
| Median Home Value | $228,185 |
| Average Home Value | $286,488 |
Housing Distribution
Address Breakdown
Residential
7,047
Single Family
6,410
Multi-Family
637
Businesses
492
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS United
Mls ID: #4143671