20/20A Private Road 3058Water ValleyMS38965
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 20/20A Private Road 3058, Water Valley, MS, 38965 in Water Valley the bet is firmly on appreciation. Rental yield 5.21%. The 5.21% gross yield on a $995,000 price is below income-first thresholds, but 5%/yr value growth projects $274,900 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.97) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $263,204.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,769) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,320 |
| Total Monthly Debt Service | $5,693 |
| DSCR Ratio | 0.76x |
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 2007
77 Acres 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 2007
77 Acres 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: Tim Phillips • Crye-Leike Oxford Real Estate
Mls Name: NCMBR
Mls Provider:
Mls ID: #159797
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.