2501 Thornton RdUticaMS39175
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2501 Thornton Rd, Utica, MS, 39175 in Utica worth study. Rental yield 3.1%. The 3.1% gross yield is below cash-flow benchmarks at $525,000, but 5% annual appreciation, adding $145,048 over five years, frames this as a capital growth position. Rent of $1,356/mo partially offsets the $2,361/mo payment. Ziffy Mortgage finances appreciation-play properties (0.57 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $79,408.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(1,857) | $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 | $1,356 |
| Total Monthly Debt Service | $3,004 |
| DSCR Ratio | 0.45x |
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 N/A
76 Acres lot
$N/A/sqft
No HOA
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 N/A
76 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chipper Gibbes • SWAPA Land, LLC
Mls Name: REALSTACK
Mls ID: #94157