256 Penny LnBrandonMS39042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 256 Penny Ln, Brandon, MS, 39042 in Brandon speaks for itself: 10.33% gross on a $354,900 price, generating $3,054/mo in rent and $822/mo in net income after the $1,596/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,865 stacks alongside $98,052 in projected five-year appreciation and $3,269/yr in principal reduction. Projected total cumulative return: $187,676.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.1% |
| Monthly Cash Flow | $822 | $325 |
City averages based on Brandon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,054 |
| Total Monthly Debt Service | $2,091 |
| DSCR Ratio | 1.46x |
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 2018
0.25 Acres lot
$N/A/sqft
$320 annually 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 2018
0.25 Acres lot
$N/A/sqft
$320 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzie McDowell • Keller Williams
Mls Name: MLS United
Mls ID: #4113375
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.