40231 Rye Bottom RdHamiltonMS39746
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 40231 Rye Bottom Rd, Hamilton, MS, 39746 in Hamilton. At $244,000 it earns $1,766/mo in rent and distributes $273/mo to the owner after the $1,097/mo payment, a consistent 8.69% yield. DSCR 1.61 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $67,413 in value; $2,247/yr in principal paydown compounds ownership stake. Total projected return: $110,075.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $273 | $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 | $1,766 |
| Total Monthly Debt Service | $1,396 |
| DSCR Ratio | 1.26x |
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 1980
17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39746, Hamilton, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,426 (100%) |
| Owner Occupied HU | 1,079 (75.7%) |
| Renter Occupied HU | 202 (14.2%) |
| Vacant Housing Units | 145 (10.2%) |
| Median Home Value | $137,216 |
| Average Home Value | $160,454 |
Housing Distribution
Address Breakdown
Residential
1,330
Single Family
1,330
Multi-Family
0
Businesses
70
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 1980
17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39746, Hamilton, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,426 (100%) |
| Owner Occupied HU | 1,079 (75.7%) |
| Renter Occupied HU | 202 (14.2%) |
| Vacant Housing Units | 145 (10.2%) |
| Median Home Value | $137,216 |
| Average Home Value | $160,454 |
Housing Distribution
Address Breakdown
Residential
1,330
Single Family
1,330
Multi-Family
0
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: PHIL M BARKER • MOSSY OAK PROPERTIES BOTTOMLAND REAL ESTATE
Mls Name: Greater Golden Triangle Realtors
Mls ID: #25-1714