435 Highway 43 LOT 53ColumbiaMS39429
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 435 Highway 43 LOT 53, Columbia, MS, 39429 in Columbia, $105,000, 9.2% gross yield, $139/mo net income. Consider it a market-entry position, the $805/mo rent covers the $472/mo payment with a margin, and 5%/yr appreciation is projected to add $29,010 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.71) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $48,843.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $139 | $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 | $805 |
| Total Monthly Debt Service | $624 |
| DSCR Ratio | 1.29x |
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 1998
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39429, Columbia, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,313 (100%) |
| Owner Occupied HU | 4,814 (65.8%) |
| Renter Occupied HU | 1,381 (18.9%) |
| Vacant Housing Units | 1,118 (15.3%) |
| Median Home Value | $157,194 |
| Average Home Value | $189,850 |
Housing Distribution
Address Breakdown
Residential
6,817
Single Family
6,526
Multi-Family
291
Businesses
712
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 1998
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39429, Columbia, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,313 (100%) |
| Owner Occupied HU | 4,814 (65.8%) |
| Renter Occupied HU | 1,381 (18.9%) |
| Vacant Housing Units | 1,118 (15.3%) |
| Median Home Value | $157,194 |
| Average Home Value | $189,850 |
Housing Distribution
Address Breakdown
Residential
6,817
Single Family
6,526
Multi-Family
291
Businesses
712
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debra West,Cne • Debbie West Realty, LLC
Mls Name: LBOR
Mls ID: #36208
Disclaimer: Copyright Laurel Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.