13917 Ruby LnBiloxiMS39532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 13917 Ruby Ln, Biloxi, MS, 39532 in Biloxi deserves attention. This $326,825 property earns $2,760/mo in rent, a 10.13% gross yield, and nets $740/mo after the $1,470/mo payment. DSCR 1.88 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $90,296 compounds alongside $3,010/yr in yearly equity build, for a total cumulative return of $171,533.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 10.0% |
| Monthly Cash Flow | $740 | $1,200 |
City averages based on Biloxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $1,890 |
| DSCR Ratio | 1.46x |
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
0.25 Acres lot
$N/A/sqft
$240 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39532, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,017 (100%) |
| Owner Occupied HU | 9,809 (61.2%) |
| Renter Occupied HU | 5,072 (31.7%) |
| Vacant Housing Units | 1,136 ( 7.1%) |
| Median Home Value | $274,646 |
| Average Home Value | $326,970 |
Housing Distribution
Address Breakdown
Residential
15,395
Single Family
13,067
Multi-Family
2,328
Businesses
575
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
0.25 Acres lot
$N/A/sqft
$240 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39532, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,017 (100%) |
| Owner Occupied HU | 9,809 (61.2%) |
| Renter Occupied HU | 5,072 (31.7%) |
| Vacant Housing Units | 1,136 ( 7.1%) |
| Median Home Value | $274,646 |
| Average Home Value | $326,970 |
Housing Distribution
Address Breakdown
Residential
15,395
Single Family
13,067
Multi-Family
2,328
Businesses
575
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tim Ridley • Adams Homes, L.L.C.
Mls Name: MLS United
Mls ID: #4106752
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.