438 Piney DrPearlMS39208
INVESTMENT ANALYSIS
Investment Verdict
Solid Income438 Piney Dr, Pearl, MS, 39208 in Pearl is a solid income-producing rental, 9.54% gross yield, $2,820/mo rent, $648/mo net cash flow on a $354,900 buy. DSCR 1.77 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $98,052 and $3,269/yr in principal reduction project a total cumulative return of $176,216.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.2% |
| Monthly Cash Flow | $648 | $850 |
City averages based on Pearl market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $2,031 |
| DSCR Ratio | 1.39x |
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 2026
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39208, Pearl, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,880 (100%) |
| Owner Occupied HU | 8,998 (64.8%) |
| Renter Occupied HU | 4,011 (28.9%) |
| Vacant Housing Units | 871 ( 6.3%) |
| Median Home Value | $177,888 |
| Average Home Value | $221,845 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
10,721
Multi-Family
2,029
Businesses
1,119
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 2026
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39208, Pearl, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,880 (100%) |
| Owner Occupied HU | 8,998 (64.8%) |
| Renter Occupied HU | 4,011 (28.9%) |
| Vacant Housing Units | 871 ( 6.3%) |
| Median Home Value | $177,888 |
| Average Home Value | $221,845 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
10,721
Multi-Family
2,029
Businesses
1,119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert E Wantland • D R Horton
Mls Name: MLS United
Mls ID: #4143247
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.