140 Seaside DrOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 140 Seaside Dr, Ocean Springs, MS, 39564 in Ocean Springs at $1,100,000, 4.53% gross yield, is a market-growth asset. Rental yield 4.53%. The $4,198/mo rent partially funds the $4,946/mo debt service; the core return is the 5%/yr price growth projected to add $303,910 over five years. Ziffy Mortgage's DSCR mortgage (0.85) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $251,243.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.5% |
| Monthly Cash Flow | $(2,618) | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,198 |
| Total Monthly Debt Service | $6,335 |
| DSCR Ratio | 0.66x |
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 2021
0.29 Acres lot
$N/A/sqft
$500 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 2021
0.29 Acres lot
$N/A/sqft
$500 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vicki Pace • Keller Williams
Mls Name: MLS United
Mls ID: #4115364
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.