1259 Johnson RdChunkyMS39323
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1259 Johnson Rd, Chunky, MS, 39323 in Chunky: $1,978/mo in rent, $662/mo net, 11.04% gross yield, all on a $215,000 acquisition. The 2.05 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $59,401 in value, and $1,980/yr in principal paydown steadily builds equity. Projected total cumulative return: $124,084.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $662 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,978 |
| Total Monthly Debt Service | $1,230 |
| DSCR Ratio | 1.61x |
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 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39323, Chunky, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 523 (100%) |
| Owner Occupied HU | 394 (75.3%) |
| Renter Occupied HU | 54 (10.3%) |
| Vacant Housing Units | 75 (14.3%) |
| Median Home Value | $136,538 |
| Average Home Value | $163,090 |
Housing Distribution
Address Breakdown
Residential
507
Single Family
507
Multi-Family
0
Businesses
14
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 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39323, Chunky, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 523 (100%) |
| Owner Occupied HU | 394 (75.3%) |
| Renter Occupied HU | 54 (10.3%) |
| Vacant Housing Units | 75 (14.3%) |
| Median Home Value | $136,538 |
| Average Home Value | $163,090 |
Housing Distribution
Address Breakdown
Residential
507
Single Family
507
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Camille Boler • White Oak Properties, LLC
Mls Name: East Mississippi REALTORS
Mls ID: #25-1158