12320 Frazier LnGulfportMS39503
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12320 Frazier Ln, Gulfport, MS, 39503 in Gulfport is narrow, $23/mo net on $1,526/mo rent after the $998/mo debt service, but the property operates at break-even-plus, not a loss. At $221,900 with a 8.25% yield, the long-run equity case via 5% appreciation ($61,307 over five years) and $2,044/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $86,222.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 10.0% |
| Monthly Cash Flow | $23 | $850 |
City averages based on Gulfport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,526 |
| Total Monthly Debt Service | $1,415 |
| DSCR Ratio | 1.08x |
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
1,742 sqft lot
$N/A/sqft
$145 monthly 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
1,742 sqft lot
$N/A/sqft
$145 monthly 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: #4139019
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.