80 Simmons StWater ValleyMS38965
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 80 Simmons St, Water Valley, MS, 38965 in Water Valley: $2,856/mo in rent, $2,070/mo net, 28.12% gross yield, all on a $121,860 acquisition. The 5.21 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $33,668 in value, and $1,122/yr in principal paydown steadily builds equity. Projected total cumulative return: $179,564.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 28.1% | 6.2% |
| Monthly Cash Flow | $2,070 | $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 | $2,856 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 3.87x |
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 1967
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38965, Water Valley, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,458 (100%) |
| Owner Occupied HU | 2,892 (64.9%) |
| Renter Occupied HU | 889 (19.9%) |
| Vacant Housing Units | 677 (15.2%) |
| Median Home Value | $150,475 |
| Average Home Value | $174,296 |
Housing Distribution
Address Breakdown
Residential
4,019
Single Family
3,957
Multi-Family
62
Businesses
307
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 1967
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38965, Water Valley, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,458 (100%) |
| Owner Occupied HU | 2,892 (64.9%) |
| Renter Occupied HU | 889 (19.9%) |
| Vacant Housing Units | 677 (15.2%) |
| Median Home Value | $150,475 |
| Average Home Value | $174,296 |
Housing Distribution
Address Breakdown
Residential
4,019
Single Family
3,957
Multi-Family
62
Businesses
307
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