135 Ridgeway DrStarkvilleMS39759
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 135 Ridgeway Dr, Starkville, MS, 39759 in Starkville fits: $577,500, 4.73% gross yield, and a projected 5% annual appreciation rate adding $159,553 in value within five years. Rental yield 4.73%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.88) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,319/yr in principal paydown and $159,553 in appreciation project a total return of $137,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 7.2% |
| Monthly Cash Flow | $(1,260) | $850 |
City averages based on Starkville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,274 |
| Total Monthly Debt Service | $3,304 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kaylee Ragan • TOMMY MORGAN, INC (B0F)
Mls Name: Greater Golden Triangle Realtors
Mls ID: #25-821
Disclaimer: Copyright Golden Triangle Association of Realtors, Inc. All rights reserved. Information is deemed reliable but not guaranteed.