12181 Walker RdOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 12181 Walker Rd, Ocean Springs, MS, 39564 in Ocean Springs deserves attention. This $374,235 property earns $3,162/mo in rent, a 10.14% gross yield, and nets $841/mo after the $1,683/mo payment. DSCR 1.88 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $103,394 compounds alongside $3,447/yr in yearly equity build, for a total cumulative return of $196,041.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.5% |
| Monthly Cash Flow | $841 | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
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 | $3,162 |
| Total Monthly Debt Service | $2,172 |
| DSCR Ratio | 1.46x |
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 2025
0.38 Acres lot
$N/A/sqft
$185 semi-annually HOA
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 2025
0.38 Acres lot
$N/A/sqft
$185 semi-annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Saun A Sullivan • Cicero Realty, LLC
Mls Name: MLS United
Mls ID: #4117224
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.