Sandpiper Plan, The Enclave at Palmetto Pointe - Cottage SeriesOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $324,990 it earns $2,527/mo in rent and distributes $538/mo to the owner after the $1,541/mo payment, a consistent 9.33% yield. DSCR 1.64 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $89,789 in value; $2,724/yr in principal paydown compounds ownership stake. Total projected return: $151,634.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $538 | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,527 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 1.30x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
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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
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Listed by: N/A • Meritage Homes
Mls Name: Meritage Homes
Mls Provider:
Mls ID: #N/A
