The Opal Plan, The Enclave at Palmetto PointeOcean SpringsMS39564
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at The Opal Plan, The Enclave at Palmetto Pointe, Ocean Springs, MS, 39564 in Ocean Springs. Priced at $264,990, it generates $2,434/mo in gross rent and $812/mo in net monthly cash flow, a 11.02% yield that comfortably supports the 2.04 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,744. Five-year appreciation: $73,212. Equity from principal paydown: $2,441/yr. Total projected cumulative return: $152,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $812 | $420 |
City averages based on Ocean Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,434 |
| Total Monthly Debt Service | $1,516 |
| DSCR Ratio | 1.61x |
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
No HOA
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mitzi Starcher • Elliott Homes
Mls Name: Elliott Homes MS
Mls Provider:
Mls ID: #N/A