440 County Road 645RipleyMS38663
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder440 County Road 645, Ripley, MS, 38663 in Ripley earns a respectable 7.51% gross yield at $269,900, but after the $1,214/mo mortgage the net cash flow is $37/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.39) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $74,568 over five years, making equity the dominant return driver. Total projected return: $104,612.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $37 | $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 | $1,688 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.09x |
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 N/A
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38663, Ripley, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,128 (100%) |
| Owner Occupied HU | 3,391 (66.1%) |
| Renter Occupied HU | 1,234 (24.1%) |
| Vacant Housing Units | 503 ( 9.8%) |
| Median Home Value | $149,738 |
| Average Home Value | $175,546 |
Housing Distribution
Address Breakdown
Residential
4,862
Single Family
4,815
Multi-Family
47
Businesses
474
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 N/A
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38663, Ripley, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,128 (100%) |
| Owner Occupied HU | 3,391 (66.1%) |
| Renter Occupied HU | 1,234 (24.1%) |
| Vacant Housing Units | 503 ( 9.8%) |
| Median Home Value | $149,738 |
| Average Home Value | $175,546 |
Housing Distribution
Address Breakdown
Residential
4,862
Single Family
4,815
Multi-Family
47
Businesses
474
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole Bullock • Rachel Ray Real Estate LLC
Mls Name: NMMLS
Mls ID: #25-1965