4103 W Dearden DrOlive BranchMS38654
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Olive Branch rental at 4103 W Dearden Dr, Olive Branch, MS, 38654 sits in the solid-income band: 9.4% gross yield, $3,095/mo rent, $678/mo net after the $1,776/mo debt service, DSCR 1.74. Entry price of $394,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $109,104 and $3,637/yr in principal reduction bring total cumulative return to $193,287.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $678 | $450 |
City averages based on Olive Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,095 |
| Total Monthly Debt Service | $2,259 |
| 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 2012
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38654, Olive Branch, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,231 (100%) |
| Owner Occupied HU | 18,447 (79.4%) |
| Renter Occupied HU | 3,453 (14.9%) |
| Vacant Housing Units | 1,331 ( 5.7%) |
| Median Home Value | $331,212 |
| Average Home Value | $356,744 |
Housing Distribution
Address Breakdown
Residential
22,657
Single Family
21,024
Multi-Family
1,633
Businesses
1,775
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 2012
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38654, Olive Branch, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,231 (100%) |
| Owner Occupied HU | 18,447 (79.4%) |
| Renter Occupied HU | 3,453 (14.9%) |
| Vacant Housing Units | 1,331 ( 5.7%) |
| Median Home Value | $331,212 |
| Average Home Value | $356,744 |
Housing Distribution
Address Breakdown
Residential
22,657
Single Family
21,024
Multi-Family
1,633
Businesses
1,775
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy Watson • Local Agency Realty Group
Mls Name: MLS United
Mls ID: #4128007