7808 Zachary Oaks DrBiloxiMS39532
INVESTMENT ANALYSIS
Investment Verdict
Solid Income7808 Zachary Oaks Dr, Biloxi, MS, 39532 in Biloxi is a solid income-producing rental, 8.19% gross yield, $2,838/mo rent, $367/mo net cash flow on a $518,000 buy. DSCR 1.22 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $143,114 and $4,771/yr in principal reduction project a total cumulative return of $174,946.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 10.0% |
| Monthly Cash Flow | $367 | $1,200 |
City averages based on Biloxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,838 |
| Total Monthly Debt Service | $2,964 |
| DSCR Ratio | 0.96x |
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.
Single Family
Built in 2014
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39532, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,017 (100%) |
| Owner Occupied HU | 9,809 (61.2%) |
| Renter Occupied HU | 5,072 (31.7%) |
| Vacant Housing Units | 1,136 ( 7.1%) |
| Median Home Value | $274,646 |
| Average Home Value | $326,970 |
Housing Distribution
Address Breakdown
Residential
15,395
Single Family
13,067
Multi-Family
2,328
Businesses
575
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 2014
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39532, Biloxi, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,017 (100%) |
| Owner Occupied HU | 9,809 (61.2%) |
| Renter Occupied HU | 5,072 (31.7%) |
| Vacant Housing Units | 1,136 ( 7.1%) |
| Median Home Value | $274,646 |
| Average Home Value | $326,970 |
Housing Distribution
Address Breakdown
Residential
15,395
Single Family
13,067
Multi-Family
2,328
Businesses
575
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randy R Richardson • Century 21 J. Carter & Company
Mls Name: MLS United
Mls ID: #4108835
Disclaimer: Information is deemed to be reliable but not guaranteed. Copyright 2025 MLS United, LLC.