2520 Plum Trl SWSmithdaleMS39664
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.72% gross rental yield, 2520 Plum Trl SW, Smithdale, MS, 39664 in Smithdale is priced for capital growth, not immediate cash flow. The $900,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $248,653 by year five, with $8,289/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.32) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $69,865.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.2% |
| Monthly Cash Flow | $(4,214) | $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 | $1,294 |
| Total Monthly Debt Service | $5,149 |
| DSCR Ratio | 0.25x |
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.
Manufactured
Built in 2020
30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39664, Smithdale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 987 (70.7%) |
| Renter Occupied HU | 149 (10.7%) |
| Vacant Housing Units | 260 (18.6%) |
| Median Home Value | $157,717 |
| Average Home Value | $197,568 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
22
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
Manufactured
Built in 2020
30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39664, Smithdale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 987 (70.7%) |
| Renter Occupied HU | 149 (10.7%) |
| Vacant Housing Units | 260 (18.6%) |
| Median Home Value | $157,717 |
| Average Home Value | $197,568 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kara Whittington • Betsy Smith Properties
Mls Name: MLS United
Mls ID: #4137844