135 Harper Grove CirOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow135 Harper Grove Cir, Ocean Springs, MS, 39564 in Ocean Springs carries a 2.19 coverage ratio, rent of $2,364/mo is 2.19 times the $1,079/mo payment. Rental yield 11.82%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $239,900 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $66,280; total projected cumulative return: $101,781.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.5% |
| Monthly Cash Flow | $(2,224) | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,364 |
| Total Monthly Debt Service | $2,153 |
| DSCR Ratio | 1.10x |
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 2026
2,178 sqft lot
$N/A/sqft
$1,560 bi-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 2026
2,178 sqft lot
$N/A/sqft
$1,560 bi-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: #4140413
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.