Carson V K Plan, ShieldsboroBay Saint LouisMS39520
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.74% gross rental yield, Carson V K Plan, Shieldsboro, Bay Saint Louis, MS, 39520 in Bay Saint Louis is priced for capital growth, not immediate cash flow. The $363,990 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $100,564 by year five, with $3,352/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.06) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $106,577.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(487) | $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 | $1,740 |
| Total Monthly Debt Service | $2,083 |
| DSCR Ratio | 0.84x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39520, Bay Saint Louis, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,122 (100%) |
| Owner Occupied HU | 4,375 (53.9%) |
| Renter Occupied HU | 2,157 (26.6%) |
| Vacant Housing Units | 1,590 (19.6%) |
| Median Home Value | $228,185 |
| Average Home Value | $286,488 |
Housing Distribution
Address Breakdown
Residential
7,047
Single Family
6,410
Multi-Family
637
Businesses
492
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 39520, Bay Saint Louis, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,122 (100%) |
| Owner Occupied HU | 4,375 (53.9%) |
| Renter Occupied HU | 2,157 (26.6%) |
| Vacant Housing Units | 1,590 (19.6%) |
| Median Home Value | $228,185 |
| Average Home Value | $286,488 |
Housing Distribution
Address Breakdown
Residential
7,047
Single Family
6,410
Multi-Family
637
Businesses
492
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • DSLD Homes - Mississippi
Mls Name: DSLD Homes
Mls Provider:
Mls ID: #N/A