174 Hardy Williams RdPinolaMS39149
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 174 Hardy Williams Rd, Pinola, MS, 39149 in Pinola is capital appreciation. Rental yield 4.13%. The 4.13% gross yield at $529,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $146,153 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $109,150.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,418) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,819 |
| Total Monthly Debt Service | $3,027 |
| DSCR Ratio | 0.60x |
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 2019
15 Acres lot
$N/A/sqft
No 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 2019
15 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayla Lauren L Robinson • Sigma Rlty dba RE/MAX RE Partners
Mls Name: MLS United
Mls ID: #4136584