407 Rosewood TerRichtonMS39476
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 407 Rosewood Ter, Richton, MS, 39476 in Richton is a conservative rental investment at $275,000. Rental yield 7.28%. A 1.35 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $75,977; $2,533/yr in principal paydown supplements. Total projected return: $103,251.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(15) | $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 | $1,668 |
| Total Monthly Debt Service | $1,573 |
| DSCR Ratio | 1.06x |
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 1973
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39476, Richton, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,401 (100%) |
| Owner Occupied HU | 2,518 (74.0%) |
| Renter Occupied HU | 470 (13.8%) |
| Vacant Housing Units | 413 (12.1%) |
| Median Home Value | $160,750 |
| Average Home Value | $192,968 |
Housing Distribution
Address Breakdown
Residential
2,823
Single Family
2,823
Multi-Family
0
Businesses
138
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 1973
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39476, Richton, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,401 (100%) |
| Owner Occupied HU | 2,518 (74.0%) |
| Renter Occupied HU | 470 (13.8%) |
| Vacant Housing Units | 413 (12.1%) |
| Median Home Value | $160,750 |
| Average Home Value | $192,968 |
Housing Distribution
Address Breakdown
Residential
2,823
Single Family
2,823
Multi-Family
0
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Schlautman • KW ELITE Keller Williams Realty
Mls Name: HSMLS
Mls Provider:
Mls ID: #139315
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.