5042 Sophia LnHernandoMS38632
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.54% gross rental yield, 5042 Sophia Ln, Hernando, MS, 38632 in Hernando is priced for capital growth, not immediate cash flow. The $694,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $191,988 by year five, with $6,400/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.03) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $193,735.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,084) | $425 |
City averages based on Hernando market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,210 |
| Total Monthly Debt Service | $4,018 |
| DSCR Ratio | 0.80x |
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 2025
1.66 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38632, Hernando, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,035 (80.2%) |
| Renter Occupied HU | 1,589 (12.7%) |
| Vacant Housing Units | 889 ( 7.1%) |
| Median Home Value | $352,383 |
| Average Home Value | $379,373 |
Housing Distribution
Address Breakdown
Residential
12,077
Single Family
11,627
Multi-Family
450
Businesses
841
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 2025
1.66 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38632, Hernando, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,035 (80.2%) |
| Renter Occupied HU | 1,589 (12.7%) |
| Vacant Housing Units | 889 ( 7.1%) |
| Median Home Value | $352,383 |
| Average Home Value | $379,373 |
Housing Distribution
Address Breakdown
Residential
12,077
Single Family
11,627
Multi-Family
450
Businesses
841
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy A Gowen • Keller Williams Realty - MS
Mls Name: MLS United
Mls ID: #4139707
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2026 MLS United, LLC.