106 Peyton CirOxfordMS38655
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 106 Peyton Cir, Oxford, MS, 38655 in Oxford at $480,000 earns $3,023/mo in rent and nets $85/mo after the $2,158/mo payment, a 7.56% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $132,615 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $4,421/yr in principal paydown, total projected return reaches $187,391.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.1% |
| Monthly Cash Flow | $85 | $850 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $2,746 |
| DSCR Ratio | 1.10x |
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 1999
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38655, Oxford, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,797 (100%) |
| Owner Occupied HU | 12,970 (46.7%) |
| Renter Occupied HU | 9,130 (32.8%) |
| Vacant Housing Units | 5,697 (20.5%) |
| Median Home Value | $326,779 |
| Average Home Value | $423,478 |
Housing Distribution
Address Breakdown
Residential
24,977
Single Family
19,826
Multi-Family
5,151
Businesses
2,118
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 1999
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38655, Oxford, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,797 (100%) |
| Owner Occupied HU | 12,970 (46.7%) |
| Renter Occupied HU | 9,130 (32.8%) |
| Vacant Housing Units | 5,697 (20.5%) |
| Median Home Value | $326,779 |
| Average Home Value | $423,478 |
Housing Distribution
Address Breakdown
Residential
24,977
Single Family
19,826
Multi-Family
5,151
Businesses
2,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hudson Magee • Magee & Boone, LLC
Mls Name: NCMBR
Mls ID: #164524