280 McCullough LnFloraMS39071
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 280 McCullough Ln, Flora, MS, 39071 in Flora is listed at $829,500 and delivers $5,956/mo in rent and $879/mo in net monthly cash flow. The 8.62% yield and 1.60 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $229,176 over five years, and $7,640/yr in principal reduction supplements cash return. Total projected cumulative return: $370,894.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $879 | $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 | $5,956 |
| Total Monthly Debt Service | $4,746 |
| DSCR Ratio | 1.25x |
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 1995
11.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39071, Flora, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,907 (77.6%) |
| Renter Occupied HU | 424 (17.2%) |
| Vacant Housing Units | 127 ( 5.2%) |
| Median Home Value | $268,137 |
| Average Home Value | $354,929 |
Housing Distribution
Address Breakdown
Residential
2,078
Single Family
1,966
Multi-Family
112
Businesses
212
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 1995
11.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39071, Flora, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,907 (77.6%) |
| Renter Occupied HU | 424 (17.2%) |
| Vacant Housing Units | 127 ( 5.2%) |
| Median Home Value | $268,137 |
| Average Home Value | $354,929 |
Housing Distribution
Address Breakdown
Residential
2,078
Single Family
1,966
Multi-Family
112
Businesses
212
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda P Overby • Overby, Inc.
Mls Name: MLS United
Mls ID: #4076093