1786 Shady Lane RdPickensMS39146
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.56% yield at 1786 Shady Lane Rd, Pickens, MS, 39146 in Pickens is solid, but the $697/mo payment compresses net cash flow to $157/mo at $155,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $42,824 by year five, and $1,428/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.59) without U.S. income documentation. Total projected return: $68,850.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $157 | $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 | $1,105 |
| Total Monthly Debt Service | $887 |
| DSCR Ratio | 1.25x |
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.
Lot
Built in N/A
39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39146, Pickens, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,214 (100%) |
| Owner Occupied HU | 811 (66.8%) |
| Renter Occupied HU | 252 (20.8%) |
| Vacant Housing Units | 151 (12.4%) |
| Median Home Value | $110,417 |
| Average Home Value | $152,873 |
Housing Distribution
Address Breakdown
Residential
883
Single Family
822
Multi-Family
61
Businesses
38
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
Lot
Built in N/A
39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39146, Pickens, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,214 (100%) |
| Owner Occupied HU | 811 (66.8%) |
| Renter Occupied HU | 252 (20.8%) |
| Vacant Housing Units | 151 (12.4%) |
| Median Home Value | $110,417 |
| Average Home Value | $152,873 |
Housing Distribution
Address Breakdown
Residential
883
Single Family
822
Multi-Family
61
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Clayton • Mossy Oak Properties Land and Home
Mls Name: My State MLS
Mls ID: #11343713