650 Prosperity PlBrandonMS39042
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 650 Prosperity Pl, Brandon, MS, 39042 in Brandon is narrow, $79/mo net on $2,694/mo rent after the $1,897/mo debt service, but the property operates at break-even-plus, not a loss. At $421,900 with a 7.66% yield, the long-run equity case via 5% appreciation ($116,563 over five years) and $3,886/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $165,073.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.1% |
| Monthly Cash Flow | $79 | $325 |
City averages based on Brandon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,694 |
| Total Monthly Debt Service | $2,447 |
| DSCR Ratio | 1.10x |
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 2025
0.39 Acres lot
$N/A/sqft
$400 annually HOA
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
0.39 Acres lot
$N/A/sqft
$400 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny Winstead • Southern Homes Real Estate
Mls Name: MLS United
Mls ID: #4114542
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.