520 Lake Eddins #1638PachutaMS39347
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 520 Lake Eddins #1638, Pachuta, MS, 39347 in Pachuta the bet is firmly on appreciation. Rental yield 5.06%. The 5.06% gross yield on a $295,000 price is below income-first thresholds, but 5%/yr value growth projects $81,503 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.94) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $72,282.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(617) | $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 | $1,243 |
| Total Monthly Debt Service | $1,743 |
| DSCR Ratio | 0.71x |
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 1998
0.70 Acres lot
$N/A/sqft
$55 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39347, Pachuta, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 868 (100%) |
| Owner Occupied HU | 487 (56.1%) |
| Renter Occupied HU | 78 ( 9.0%) |
| Vacant Housing Units | 303 (34.9%) |
| Median Home Value | $152,296 |
| Average Home Value | $168,824 |
Housing Distribution
Address Breakdown
Residential
672
Single Family
672
Multi-Family
0
Businesses
30
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 1998
0.70 Acres lot
$N/A/sqft
$55 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39347, Pachuta, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 868 (100%) |
| Owner Occupied HU | 487 (56.1%) |
| Renter Occupied HU | 78 ( 9.0%) |
| Vacant Housing Units | 303 (34.9%) |
| Median Home Value | $152,296 |
| Average Home Value | $168,824 |
Housing Distribution
Address Breakdown
Residential
672
Single Family
672
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joy Mcclinthen, Abr, Srs, Sfr, Rsips, Mrp, Crms,Rene • Joy Mcclinthen Realty
Mls Name: LBOR
Mls ID: #36132
Disclaimer: Copyright Laurel Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.