103 Camelia PlBrandonMS39047
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.22% yield at 103 Camelia Pl, Brandon, MS, 39047 in Brandon is solid, but the $1,192/mo payment compresses net cash flow to $193/mo at $265,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $73,215 by year five, and $2,441/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $112,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.1% |
| Monthly Cash Flow | $193 | $325 |
City averages based on Brandon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,815 |
| Total Monthly Debt Service | $1,516 |
| DSCR Ratio | 1.20x |
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 1979
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39047, Brandon, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,067 (100%) |
| Owner Occupied HU | 14,058 (82.4%) |
| Renter Occupied HU | 2,181 (12.8%) |
| Vacant Housing Units | 828 ( 4.9%) |
| Median Home Value | $284,842 |
| Average Home Value | $320,136 |
Housing Distribution
Address Breakdown
Residential
16,709
Single Family
15,919
Multi-Family
790
Businesses
850
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 1979
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39047, Brandon, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,067 (100%) |
| Owner Occupied HU | 14,058 (82.4%) |
| Renter Occupied HU | 2,181 (12.8%) |
| Vacant Housing Units | 828 ( 4.9%) |
| Median Home Value | $284,842 |
| Average Home Value | $320,136 |
Housing Distribution
Address Breakdown
Residential
16,709
Single Family
15,919
Multi-Family
790
Businesses
850
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy A James • Key Stride Realty
Mls Name: MLS United
Mls ID: #4121078