Pecan Plan, Cross WindsHernandoMS38632
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate Pecan Plan, Cross Winds, Hernando, MS, 38632 in Hernando. At $371,900 it earns $3,142/mo in rent and distributes $285/mo to the owner after the $1,672/mo payment, a consistent 9.55% yield. DSCR 1.88 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $102,749 in value; $3,425/yr in principal paydown compounds ownership stake. Total projected return: $172,702.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $285 | $425 |
City averages based on Hernando market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,142 |
| Total Monthly Debt Service | $2,528 |
| DSCR Ratio | 1.24x |
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 2025
N/A lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38632, Hernando, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,035 (80.2%) |
| Renter Occupied HU | 1,589 (12.7%) |
| Vacant Housing Units | 889 ( 7.1%) |
| Median Home Value | $352,383 |
| Average Home Value | $379,373 |
Housing Distribution
Address Breakdown
Residential
12,077
Single Family
11,627
Multi-Family
450
Businesses
841
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
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38632, Hernando, MS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,035 (80.2%) |
| Renter Occupied HU | 1,589 (12.7%) |
| Vacant Housing Units | 889 ( 7.1%) |
| Median Home Value | $352,383 |
| Average Home Value | $379,373 |
Housing Distribution
Address Breakdown
Residential
12,077
Single Family
11,627
Multi-Family
450
Businesses
841
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Sky Lake Construction
Mls Name: Sky Lake Construction
Mls ID: #N/A