4031 Spruce StMoss PointMS39563
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4031 Spruce St, Moss Point, MS, 39563 in Moss Point at $100,000 earns $773/mo in rent and nets $161/mo after the $450/mo payment, a 9.28% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $27,628 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $921/yr in principal paydown, total projected return reaches $48,257.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $161 | $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 | $773 |
| Total Monthly Debt Service | $572 |
| DSCR Ratio | 1.35x |
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 1950
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39563, Moss Point, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,180 (100%) |
| Owner Occupied HU | 3,808 (61.6%) |
| Renter Occupied HU | 1,505 (24.4%) |
| Vacant Housing Units | 867 (14.0%) |
| Median Home Value | $138,281 |
| Average Home Value | $187,544 |
Housing Distribution
Address Breakdown
Residential
5,229
Single Family
5,155
Multi-Family
74
Businesses
382
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 1950
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39563, Moss Point, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,180 (100%) |
| Owner Occupied HU | 3,808 (61.6%) |
| Renter Occupied HU | 1,505 (24.4%) |
| Vacant Housing Units | 867 (14.0%) |
| Median Home Value | $138,281 |
| Average Home Value | $187,544 |
Housing Distribution
Address Breakdown
Residential
5,229
Single Family
5,155
Multi-Family
74
Businesses
382
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marenda Harper • Harper Realty, LLC.
Mls Name: MLS United
Mls ID: #4097401
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2024 MLS United, LLC.