4087 Judge RdGlosterMS39638
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4087 Judge Rd, Gloster, MS, 39638 in Gloster fits: $590,000, 0.54% gross yield, and a projected 5% annual appreciation rate adding $163,006 in value within five years. Rental yield 0.54%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.10) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,434/yr in principal paydown and $163,006 in appreciation project a total return of $8,233.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.5% | 6.2% |
| Monthly Cash Flow | $(3,347) | $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 | $264 |
| Total Monthly Debt Service | $3,376 |
| DSCR Ratio | 0.08x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2011
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39638, Gloster, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,956 (100%) |
| Owner Occupied HU | 1,138 (58.2%) |
| Renter Occupied HU | 300 (15.3%) |
| Vacant Housing Units | 518 (26.5%) |
| Median Home Value | $101,955 |
| Average Home Value | $130,180 |
Housing Distribution
Address Breakdown
Residential
1,124
Single Family
1,104
Multi-Family
20
Businesses
86
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 2011
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39638, Gloster, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,956 (100%) |
| Owner Occupied HU | 1,138 (58.2%) |
| Renter Occupied HU | 300 (15.3%) |
| Vacant Housing Units | 518 (26.5%) |
| Median Home Value | $101,955 |
| Average Home Value | $130,180 |
Housing Distribution
Address Breakdown
Residential
1,124
Single Family
1,104
Multi-Family
20
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn James • Berkshire Hathaway HomeServices - Cabin & Creek Real Estate
Mls Name: Southwest Mississippi BOR
Mls ID: #140232
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.