441 Linda DrBiloxiMS39531
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 441 Linda Dr, Biloxi, MS, 39531 in Biloxi offers a clean, manageable entry. Rental yield 7.4%. DSCR 1.37 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $128,443 in additional property value over five years, with $4,282/yr in principal equity building ownership stake. Total projected cumulative return: $164,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 10.0% |
| Monthly Cash Flow | $(200) | $1,200 |
City averages based on Biloxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,867 |
| Total Monthly Debt Service | $2,882 |
| DSCR Ratio | 0.99x |
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 1980
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39531, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,384 (100%) |
| Owner Occupied HU | 3,237 (31.2%) |
| Renter Occupied HU | 5,546 (53.4%) |
| Vacant Housing Units | 1,601 (15.4%) |
| Median Home Value | $243,911 |
| Average Home Value | $297,810 |
Housing Distribution
Address Breakdown
Residential
9,357
Single Family
6,023
Multi-Family
3,334
Businesses
660
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 1980
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39531, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,384 (100%) |
| Owner Occupied HU | 3,237 (31.2%) |
| Renter Occupied HU | 5,546 (53.4%) |
| Vacant Housing Units | 1,601 (15.4%) |
| Median Home Value | $243,911 |
| Average Home Value | $297,810 |
Housing Distribution
Address Breakdown
Residential
9,357
Single Family
6,023
Multi-Family
3,334
Businesses
660
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mandy Merritt • Century 21 Busch Realty Group
Mls Name: MLS United
Mls ID: #4106371
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.