190 Saint Paul StBiloxiMS39530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 190 Saint Paul St, Biloxi, MS, 39530 in Biloxi is straightforward: $140,417 in, $1,451/mo in rent, $475/mo out after debt service. The 12.4% gross yield and 2.30 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $38,795 by year five. With $1,293/yr in principal equity, the total cumulative return is projected at $84,341.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 10.0% |
| Monthly Cash Flow | $475 | $1,200 |
City averages based on Biloxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,451 |
| Total Monthly Debt Service | $919 |
| DSCR Ratio | 1.58x |
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.
Single Family
Built in 1940
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39530, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,570 (100%) |
| Owner Occupied HU | 1,859 (40.7%) |
| Renter Occupied HU | 1,890 (41.4%) |
| Vacant Housing Units | 821 (18.0%) |
| Median Home Value | $184,217 |
| Average Home Value | $250,336 |
Housing Distribution
Address Breakdown
Residential
3,959
Single Family
3,432
Multi-Family
527
Businesses
526
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 1940
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39530, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,570 (100%) |
| Owner Occupied HU | 1,859 (40.7%) |
| Renter Occupied HU | 1,890 (41.4%) |
| Vacant Housing Units | 821 (18.0%) |
| Median Home Value | $184,217 |
| Average Home Value | $250,336 |
Housing Distribution
Address Breakdown
Residential
3,959
Single Family
3,432
Multi-Family
527
Businesses
526
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS United
Mls ID: #4121650