642 Ruth RdSulphurLA70665
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 642 Ruth Rd, Sulphur, LA, 70665 in Sulphur at $119,900 earns $963/mo in rent and nets $171/mo after the $539/mo payment, a 9.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,126 over five years. Ziffy Mortgage underwrites this on a 1.79 DSCR without U.S. credit history. With $1,104/yr in principal paydown, total projected return reaches $59,712.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $171 | $450 |
City averages based on Sulphur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $963 |
| Total Monthly Debt Service | $695 |
| DSCR Ratio | 1.39x |
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
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70665, Sulphur, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,500 (100%) |
| Owner Occupied HU | 3,923 (71.3%) |
| Renter Occupied HU | 895 (16.3%) |
| Vacant Housing Units | 682 (12.4%) |
| Median Home Value | $274,904 |
| Average Home Value | $298,732 |
Housing Distribution
Address Breakdown
Residential
5,367
Single Family
4,803
Multi-Family
564
Businesses
310
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
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70665, Sulphur, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,500 (100%) |
| Owner Occupied HU | 3,923 (71.3%) |
| Renter Occupied HU | 895 (16.3%) |
| Vacant Housing Units | 682 (12.4%) |
| Median Home Value | $274,904 |
| Average Home Value | $298,732 |
Housing Distribution
Address Breakdown
Residential
5,367
Single Family
4,803
Multi-Family
564
Businesses
310
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trey Case • Coldwell Banker Ingle Safari R
Mls Name: Greater Southern MLS
Mls ID: #SWL24005228
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.