108223 Kapalama DrDiamondheadMS39525
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 108223 Kapalama Dr, Diamondhead, MS, 39525 in Diamondhead deserves attention. This $250,000 property earns $2,149/mo in rent, a 10.32% gross yield, and nets $619/mo after the $1,185/mo payment. DSCR 1.81 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $69,070 compounds alongside $2,096/yr in yearly equity build, for a total cumulative return of $129,878.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $619 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,149 |
| Total Monthly Debt Service | $1,491 |
| DSCR Ratio | 1.44x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2013
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39525, Diamondhead, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,779 (100%) |
| Owner Occupied HU | 3,869 (81.0%) |
| Renter Occupied HU | 461 ( 9.6%) |
| Vacant Housing Units | 449 ( 9.4%) |
| Median Home Value | $245,548 |
| Average Home Value | $267,598 |
Housing Distribution
Address Breakdown
Residential
4,578
Single Family
4,578
Multi-Family
0
Businesses
224
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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
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Listed by: Thea C Wease • Coastal Realty Group
Mls Name: MLS United
Mls ID: #4120239
