123 Harper Grove CirOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 123 Harper Grove Cir, Ocean Springs, MS, 39564 in Ocean Springs at $239,900 earns $1,679/mo in rent and nets $81/mo after the $1,079/mo payment, a 8.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,280 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,210/yr in principal paydown, total projected return reaches $96,717.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.5% |
| Monthly Cash Flow | $81 | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,679 |
| Total Monthly Debt Service | $1,503 |
| DSCR Ratio | 1.12x |
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.
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
$1,560 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
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
$1,560 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Siemiontkowski • D R Horton
Mls Name: MLS United
Mls ID: #4136235
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.