3174 Stonecypher RdLucedaleMS39452
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3174 Stonecypher Rd, Lucedale, MS, 39452 in Lucedale is narrow, $190/mo net on $2,087/mo rent after the $1,394/mo debt service, but the property operates at break-even-plus, not a loss. At $310,000 with a 8.08% yield, the long-run equity case via 5% appreciation ($85,647 over five years) and $2,855/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $129,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.8% |
| Monthly Cash Flow | $190 | $350 |
City averages based on Lucedale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,087 |
| Total Monthly Debt Service | $1,774 |
| DSCR Ratio | 1.18x |
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 2015
1.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39452, Lucedale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,978 (100%) |
| Owner Occupied HU | 9,623 (74.1%) |
| Renter Occupied HU | 1,671 (12.9%) |
| Vacant Housing Units | 1,684 (13.0%) |
| Median Home Value | $177,866 |
| Average Home Value | $210,277 |
Housing Distribution
Address Breakdown
Residential
12,199
Single Family
12,162
Multi-Family
37
Businesses
707
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 2015
1.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39452, Lucedale, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,978 (100%) |
| Owner Occupied HU | 9,623 (74.1%) |
| Renter Occupied HU | 1,671 (12.9%) |
| Vacant Housing Units | 1,684 (13.0%) |
| Median Home Value | $177,866 |
| Average Home Value | $210,277 |
Housing Distribution
Address Breakdown
Residential
12,199
Single Family
12,162
Multi-Family
37
Businesses
707
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan Johnston • Coldwell Banker Property Pros
Mls Name: MLS United
Mls ID: #4090983
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2024 MLS United, LLC.