1196 Houpt RdPontotocMS38863
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1196 Houpt Rd, Pontotoc, MS, 38863 in Pontotoc at $320,000. Rental yield 6%. The 6% yield and 1.11 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $88,410 by year five, and $2,947/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $98,180.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(359) | $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 | $1,600 |
| Total Monthly Debt Service | $1,831 |
| DSCR Ratio | 0.87x |
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.
Single Family
Built in N/A
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38863, Pontotoc, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,655 (100%) |
| Owner Occupied HU | 6,242 (64.7%) |
| Renter Occupied HU | 2,126 (22.0%) |
| Vacant Housing Units | 1,287 (13.3%) |
| Median Home Value | $170,000 |
| Average Home Value | $209,586 |
Housing Distribution
Address Breakdown
Residential
9,055
Single Family
8,985
Multi-Family
70
Businesses
685
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 N/A
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38863, Pontotoc, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,655 (100%) |
| Owner Occupied HU | 6,242 (64.7%) |
| Renter Occupied HU | 2,126 (22.0%) |
| Vacant Housing Units | 1,287 (13.3%) |
| Median Home Value | $170,000 |
| Average Home Value | $209,586 |
Housing Distribution
Address Breakdown
Residential
9,055
Single Family
8,985
Multi-Family
70
Businesses
685
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NMMLS
Mls ID: #26-1573