121 Plum Tree RdBrandonMS39047
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 121 Plum Tree Rd, Brandon, MS, 39047 in Brandon at $212,000 earns $1,528/mo in rent and nets $95/mo after the $953/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $58,572 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $1,953/yr in principal paydown, total projected return reaches $87,051.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 5.1% |
| Monthly Cash Flow | $95 | $325 |
City averages based on Brandon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,528 |
| Total Monthly Debt Service | $1,349 |
| DSCR Ratio | 1.13x |
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 1983
0.28 Acres lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39047, Brandon, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,067 (100%) |
| Owner Occupied HU | 14,058 (82.4%) |
| Renter Occupied HU | 2,181 (12.8%) |
| Vacant Housing Units | 828 ( 4.9%) |
| Median Home Value | $284,842 |
| Average Home Value | $320,136 |
Housing Distribution
Address Breakdown
Residential
16,709
Single Family
15,919
Multi-Family
790
Businesses
850
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 1983
0.28 Acres lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39047, Brandon, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,067 (100%) |
| Owner Occupied HU | 14,058 (82.4%) |
| Renter Occupied HU | 2,181 (12.8%) |
| Vacant Housing Units | 828 ( 4.9%) |
| Median Home Value | $284,842 |
| Average Home Value | $320,136 |
Housing Distribution
Address Breakdown
Residential
16,709
Single Family
15,919
Multi-Family
790
Businesses
850
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Madison Hill • Havard Real Estate Group, LLC
Mls Name: MLS United
Mls ID: #4119892
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.