128 Everly CirOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 128 Everly Cir, Ocean Springs, MS, 39564 in Ocean Springs is listed at $383,490 and delivers $2,998/mo in rent and $595/mo in net monthly cash flow. The 9.38% yield and 1.74 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $105,951 over five years, and $3,532/yr in principal reduction supplements cash return. Total projected cumulative return: $183,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $595 | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,998 |
| Total Monthly Debt Service | $2,250 |
| DSCR Ratio | 1.33x |
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
7,840 sqft lot
$N/A/sqft
$665 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
7,840 sqft lot
$N/A/sqft
$665 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mitzi L Doughman • New Home Star Mississippi
Mls Name: MLS United
Mls ID: #4111379
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.