315 Old Cotton Gin RdTremontMS38876
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 315 Old Cotton Gin Rd, Tremont, MS, 38876 in Tremont is narrow, $79/mo net on $1,181/mo rent after the $809/mo debt service, but the property operates at break-even-plus, not a loss. At $180,000 with a 7.87% yield, the long-run equity case via 5% appreciation ($49,731 over five years) and $1,658/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $73,351.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $79 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,181 |
| Total Monthly Debt Service | $1,030 |
| DSCR Ratio | 1.15x |
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 N/A
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38876, Tremont, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 601 (100%) |
| Owner Occupied HU | 400 (66.6%) |
| Renter Occupied HU | 119 (19.8%) |
| Vacant Housing Units | 82 (13.6%) |
| Median Home Value | $134,766 |
| Average Home Value | $175,644 |
Housing Distribution
Address Breakdown
Residential
567
Single Family
567
Multi-Family
0
Businesses
17
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
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38876, Tremont, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 601 (100%) |
| Owner Occupied HU | 400 (66.6%) |
| Renter Occupied HU | 119 (19.8%) |
| Vacant Housing Units | 82 (13.6%) |
| Median Home Value | $134,766 |
| Average Home Value | $175,644 |
Housing Distribution
Address Breakdown
Residential
567
Single Family
567
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NMMLS
Mls ID: #26-1220