3918 Monterey DrGulfportMS39501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $102,000, 3918 Monterey Dr, Gulfport, MS, 39501 in Gulfport generates $803/mo in rent (9.45% yield) but nets only $175/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.75) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $28,181. Total projected return: $49,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 10.0% |
| Monthly Cash Flow | $175 | $850 |
City averages based on Gulfport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $803 |
| Total Monthly Debt Service | $588 |
| DSCR Ratio | 1.37x |
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 1971
8,276 sqft lot
$N/A/sqft
No 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 1971
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Porchia L Reynolds • All Star Veterans Realty
Mls Name: MLS United
Mls ID: #4115674
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.