2205 Haley StOxfordMS38655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2205 Haley St, Oxford, MS, 38655 in Oxford at $648,000, 3.83% gross yield, is a market-growth asset. Rental yield 3.83%. The $2,144/mo rent partially funds the $2,914/mo debt service; the core return is the 5%/yr price growth projected to add $179,030 over five years. Ziffy Mortgage's DSCR mortgage (0.74) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $128,330.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.1% |
| Monthly Cash Flow | $(1,897) | $850 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,144 |
| Total Monthly Debt Service | $3,708 |
| DSCR Ratio | 0.58x |
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 1969
0.30 Acres 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
Single Family
Built in 1969
0.30 Acres 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: Leigh Bourn • Cannon Cleary McGraw
Mls Name: NCMBR
Mls Provider:
Mls ID: #160730
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.