1882 Reserve LoopOxfordMS38655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1882 Reserve Loop, Oxford, MS, 38655 in Oxford the bet is firmly on appreciation. Rental yield 4.9%. The 4.9% gross yield on a $676,200 price is below income-first thresholds, but 5%/yr value growth projects $186,822 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.91) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $167,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.1% |
| Monthly Cash Flow | $(1,378) | $850 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $3,869 |
| DSCR Ratio | 0.71x |
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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38655, Oxford, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,797 (100%) |
| Owner Occupied HU | 12,970 (46.7%) |
| Renter Occupied HU | 9,130 (32.8%) |
| Vacant Housing Units | 5,697 (20.5%) |
| Median Home Value | $326,779 |
| Average Home Value | $423,478 |
Housing Distribution
Address Breakdown
Residential
24,977
Single Family
19,826
Multi-Family
5,151
Businesses
2,118
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38655, Oxford, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,797 (100%) |
| Owner Occupied HU | 12,970 (46.7%) |
| Renter Occupied HU | 9,130 (32.8%) |
| Vacant Housing Units | 5,697 (20.5%) |
| Median Home Value | $326,779 |
| Average Home Value | $423,478 |
Housing Distribution
Address Breakdown
Residential
24,977
Single Family
19,826
Multi-Family
5,151
Businesses
2,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Cleary • Cannon Cleary McGraw
Mls Name: NCMBR
Mls Provider:
Mls ID: #158701
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.