685 S Lake RdStarkvilleMS39759
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 685 S Lake Rd, Starkville, MS, 39759 in Starkville worth study. Rental yield 4.33%. The 4.33% gross yield is below cash-flow benchmarks at $1,353,700, but 5% annual appreciation, adding $374,002 over five years, frames this as a capital growth position. Rent of $4,890/mo partially offsets the $6,087/mo payment. Ziffy Mortgage finances appreciation-play properties (0.80 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $294,484.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 7.2% |
| Monthly Cash Flow | $(3,394) | $850 |
City averages based on Starkville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,890 |
| Total Monthly Debt Service | $7,745 |
| DSCR Ratio | 0.63x |
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.
Multi Family
Built in N/A
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
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
Multi Family
Built in N/A
45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39759, Starkville, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,121 (100%) |
| Owner Occupied HU | 10,557 (42.0%) |
| Renter Occupied HU | 10,225 (40.7%) |
| Vacant Housing Units | 4,339 (17.3%) |
| Median Home Value | $272,701 |
| Average Home Value | $296,396 |
Housing Distribution
Address Breakdown
Residential
23,719
Single Family
18,528
Multi-Family
5,191
Businesses
1,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A