105 Crossgate StStarkvilleMS39759
INVESTMENT ANALYSIS
Investment Verdict
Solid Income105 Crossgate St, Starkville, MS, 39759 in Starkville earns a respectable 8.73% gross yield at $275,000, but after the $1,237/mo mortgage the net cash flow is $193/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.61) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $75,977 over five years, making equity the dominant return driver. Total projected return: $116,163.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.2% |
| Monthly Cash Flow | $193 | $850 |
City averages based on Starkville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,986 |
| Total Monthly Debt Service | $1,699 |
| DSCR Ratio | 1.17x |
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 1998
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
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 1998
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kerri Mathews • ERA TOWN & CAMPUS REALTY
Mls Name: Greater Golden Triangle Realtors
Mls ID: #25-705
Disclaimer: Copyright Golden Triangle Association of Realtors, Inc. All rights reserved. Information is deemed reliable but not guaranteed.