614 Naylor StCarthageMS39051
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 614 Naylor St, Carthage, MS, 39051 in Carthage deserves attention. This $155,000 property earns $1,627/mo in rent, a 12.6% gross yield, and nets $679/mo after the $697/mo payment. DSCR 2.33 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $42,824 compounds alongside $1,428/yr in yearly equity build, for a total cumulative return of $102,438.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.2% |
| Monthly Cash Flow | $679 | $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 | $1,627 |
| Total Monthly Debt Service | $887 |
| DSCR Ratio | 1.83x |
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 1950
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39051, Carthage, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,665 (100%) |
| Owner Occupied HU | 4,609 (69.2%) |
| Renter Occupied HU | 1,407 (21.1%) |
| Vacant Housing Units | 649 ( 9.7%) |
| Median Home Value | $130,250 |
| Average Home Value | $152,076 |
Housing Distribution
Address Breakdown
Residential
6,399
Single Family
6,176
Multi-Family
223
Businesses
564
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 1950
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39051, Carthage, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,665 (100%) |
| Owner Occupied HU | 4,609 (69.2%) |
| Renter Occupied HU | 1,407 (21.1%) |
| Vacant Housing Units | 649 ( 9.7%) |
| Median Home Value | $130,250 |
| Average Home Value | $152,076 |
Housing Distribution
Address Breakdown
Residential
6,399
Single Family
6,176
Multi-Family
223
Businesses
564
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Walker • McKee Realty, Inc.
Mls Name: MLS United
Mls ID: #4125869