1771 Old Highway 35 NColumbiaMS39429
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1771 Old Highway 35 N, Columbia, MS, 39429 in Columbia at $229,000 earns $1,476/mo in rent and nets $75/mo after the $1,086/mo payment, a 7.73% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,268 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $1,920/yr in principal paydown, total projected return reaches $87,262.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $75 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,476 |
| Total Monthly Debt Service | $1,366 |
| DSCR Ratio | 1.08x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39429, Columbia, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,313 (100%) |
| Owner Occupied HU | 4,814 (65.8%) |
| Renter Occupied HU | 1,381 (18.9%) |
| Vacant Housing Units | 1,118 (15.3%) |
| Median Home Value | $157,194 |
| Average Home Value | $189,850 |
Housing Distribution
Address Breakdown
Residential
6,817
Single Family
6,526
Multi-Family
291
Businesses
712
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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
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Listed by: N/A • N/A
Mls Name: MLS United
Mls ID: #4161770
