512 S Natchez StKosciuskoMS39090
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 512 S Natchez St, Kosciusko, MS, 39090 in Kosciusko is narrow, $166/mo net on $1,019/mo rent after the $584/mo debt service, but the property operates at break-even-plus, not a loss. At $129,900 with a 9.41% yield, the long-run equity case via 5% appreciation ($35,889 over five years) and $1,196/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $63,656.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $166 | $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 | $1,019 |
| Total Monthly Debt Service | $743 |
| DSCR Ratio | 1.37x |
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
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39090, Kosciusko, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,629 (100%) |
| Owner Occupied HU | 3,508 (62.3%) |
| Renter Occupied HU | 1,356 (24.1%) |
| Vacant Housing Units | 765 (13.6%) |
| Median Home Value | $125,150 |
| Average Home Value | $159,065 |
Housing Distribution
Address Breakdown
Residential
5,256
Single Family
5,111
Multi-Family
145
Businesses
583
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
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39090, Kosciusko, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,629 (100%) |
| Owner Occupied HU | 3,508 (62.3%) |
| Renter Occupied HU | 1,356 (24.1%) |
| Vacant Housing Units | 765 (13.6%) |
| Median Home Value | $125,150 |
| Average Home Value | $159,065 |
Housing Distribution
Address Breakdown
Residential
5,256
Single Family
5,111
Multi-Family
145
Businesses
583
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Mottjoyu • National Land Realty, Kosciusko, MS
Mls Name: My State MLS
Mls ID: #11525508