123 Cottrell StWest PtMS39773
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 123 Cottrell St, West Pt, MS, 39773 in West Pt at $279,000, 4.82% gross yield, is a market-growth asset. Rental yield 4.82%. The $1,120/mo rent partially funds the $1,323/mo debt service; the core return is the 5%/yr price growth projected to add $77,083 over five years. Ziffy Mortgage's DSCR mortgage (0.85) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $62,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(588) | $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 | $1,120 |
| Total Monthly Debt Service | $1,664 |
| DSCR Ratio | 0.67x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in N/A
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39773, West Point, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,167 (100%) |
| Owner Occupied HU | 4,436 (61.9%) |
| Renter Occupied HU | 1,800 (25.1%) |
| Vacant Housing Units | 931 (13.0%) |
| Median Home Value | $128,292 |
| Average Home Value | $204,758 |
Housing Distribution
Address Breakdown
Residential
6,801
Single Family
6,463
Multi-Family
338
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 2 Bath
- 1340 sft
- 2 Bed
- 1 Bath
- 1145 sft
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 2 Bath
- 1340 sft
- 2 Bed
- 1 Bath
- 1145 sft
Listed by: N/A • N/A
Mls Name: Greater Golden Triangle Realtors
Mls ID: #26-508
