3172 Pontocola RdPontotocMS38863
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 3172 Pontocola Rd, Pontotoc, MS, 38863 in Pontotoc worth modelling. At $154,900 with a 7.39% gross yield, the $954/mo rent leaves $6/mo after the $697/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.37 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $42,796 by year five; $1,427/yr in principal reduction adds further equity. Total projected return: $59,097.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $6 | $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 | $954 |
| Total Monthly Debt Service | $886 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38863, Pontotoc, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,655 (100%) |
| Owner Occupied HU | 6,242 (64.7%) |
| Renter Occupied HU | 2,126 (22.0%) |
| Vacant Housing Units | 1,287 (13.3%) |
| Median Home Value | $170,000 |
| Average Home Value | $209,586 |
Housing Distribution
Address Breakdown
Residential
9,055
Single Family
8,985
Multi-Family
70
Businesses
685
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 N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38863, Pontotoc, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,655 (100%) |
| Owner Occupied HU | 6,242 (64.7%) |
| Renter Occupied HU | 2,126 (22.0%) |
| Vacant Housing Units | 1,287 (13.3%) |
| Median Home Value | $170,000 |
| Average Home Value | $209,586 |
Housing Distribution
Address Breakdown
Residential
9,055
Single Family
8,985
Multi-Family
70
Businesses
685
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy Leigh Smith • Rachel Ray Real Estate LLC
Mls Name: NMMLS
Mls Provider:
Mls ID: #24-3450
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.