1090 Irish Hill DrBiloxiMS39530
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1090 Irish Hill Dr, Biloxi, MS, 39530 in Biloxi worth study. Rental yield 2.92%. The 2.92% gross yield is below cash-flow benchmarks at $679,000, but 5% annual appreciation, adding $187,595 over five years, frames this as a capital growth position. Rent of $1,654/mo partially offsets the $3,053/mo payment. Ziffy Mortgage finances appreciation-play properties (0.54 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $93,726.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 10.0% |
| Monthly Cash Flow | $(2,545) | $1,200 |
City averages based on Biloxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,654 |
| Total Monthly Debt Service | $3,929 |
| DSCR Ratio | 0.42x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1965
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39530, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,570 (100%) |
| Owner Occupied HU | 1,859 (40.7%) |
| Renter Occupied HU | 1,890 (41.4%) |
| Vacant Housing Units | 821 (18.0%) |
| Median Home Value | $184,217 |
| Average Home Value | $250,336 |
Housing Distribution
Address Breakdown
Residential
3,959
Single Family
3,432
Multi-Family
527
Businesses
526
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
Multi Family
Built in 1965
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39530, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,570 (100%) |
| Owner Occupied HU | 1,859 (40.7%) |
| Renter Occupied HU | 1,890 (41.4%) |
| Vacant Housing Units | 821 (18.0%) |
| Median Home Value | $184,217 |
| Average Home Value | $250,336 |
Housing Distribution
Address Breakdown
Residential
3,959
Single Family
3,432
Multi-Family
527
Businesses
526
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Fred Hornsby • Berkshire Hathaway HomeServices Preferred Properties
Mls Name: MLS United
Mls ID: #4112816
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.