706 Old Montpelier RdCedarbluffMS39741
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 706 Old Montpelier Rd, Cedarbluff, MS, 39741 in Cedarbluff is narrow, $36/mo net on $1,276/mo rent after the $911/mo debt service, but the property operates at break-even-plus, not a loss. At $202,500 with a 7.56% yield, the long-run equity case via 5% appreciation ($55,947 over five years) and $1,865/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $79,072.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $36 | $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 | $1,276 |
| Total Monthly Debt Service | $1,159 |
| 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 1940
75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39741, Cedarbluff, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 699 (100%) |
| Owner Occupied HU | 536 (76.7%) |
| Renter Occupied HU | 83 (11.9%) |
| Vacant Housing Units | 80 (11.4%) |
| Median Home Value | $131,250 |
| Average Home Value | $218,130 |
Housing Distribution
Address Breakdown
Residential
661
Single Family
661
Multi-Family
0
Businesses
12
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 1940
75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39741, Cedarbluff, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 699 (100%) |
| Owner Occupied HU | 536 (76.7%) |
| Renter Occupied HU | 83 (11.9%) |
| Vacant Housing Units | 80 (11.4%) |
| Median Home Value | $131,250 |
| Average Home Value | $218,130 |
Housing Distribution
Address Breakdown
Residential
661
Single Family
661
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jake Allen Meyer • WHITETAIL PROPERTIES REAL ESTATE LLC
Mls Name: Greater Golden Triangle Realtors
Mls ID: #24-2327
Disclaimer: Copyright Golden Triangle Association of Realtors, Inc. All rights reserved. Information is deemed reliable but not guaranteed.