1814 Twin Pine Dr · Pearl, MS 39208

$199,000

3 bd · 1.0 ba · 971 sqft · SingleFamily public records · 14 Days on market

Built 1989 7,840 sqft lot Est $151k · 31% over

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.7/30.0
• DSCR +5.2/10.0
• Rent growth +4.1/5.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• 1% rule +3.4/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Very well maintained 3/2 in Twin Pine Acres of Pearl. New flooring, paint and fixtures and registers. Ceramic tile counter tops in the kitchen. The kitchen has a pantry. The main bedroom has 2 closets. The yard is immaculate and huge. The roof was replaced in 2013, water heater in 2015.

Key facts

• New tile floors
• Quartz countertops
• New faucets

Tags

• QUARTZ COUNTERTOPS
• NEW FLOORING
• NEW INTERIOR LIGHTING
• NEW TILE FLOORS
• NEW COMMODES
• NEW FAUCETS

Property features AI

Finance

• Other: Lot has front yard; Lot approximately 0.18 acres

Exterior

• Parking: Attached carport with storage; Carport fits 2 cars; Parking for 4 vehicles total; Paved parking
• Security: Deadbolt locks; Security door features
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
• Home design: Single-family house; Two levels; Updated/remodeled; Living area measured by appraiser
• Construction: Vinyl exterior; Asphalt shingle roof; Slab foundation; Built (year from public records)
• Exterior features: Private yard; Back yard fencing with chain link and privacy sections; Rain barrel/cistern; Patio with awning and slab

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: Primary bedroom located downstairs
• Flooring: Carpet; Hardwood; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (natural gas); Central air conditioning
• Interior features: Vaulted ceilings; Primary bedroom on main level; Blinds on windows; Deadbolt locks and storm/security doors; Living room fireplace
• Laundry & utility: Laundry area located in carport

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $199k.

Deal economics

• At list price, monthly cash flow is $122 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $167k (16.3% below list).
• Recommended offer: $167k (16.3% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 5.5% in Pearl — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 73/100 on livability (#19 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment D-.
• Pearl Public School District (suburban): math 44% / reading 42% proficiency, ranked #32 of 130 in MS (top 25%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pearl Lower Elementary School (782 students, 100% FRL); Pearl Junior High School (math 46% / reading 40%, grade D-, #47 of 179 statewide, top 26%, 1,001 students, 100% FRL); Pearl High School (math 46% / reading 49%, grade D, #28 of 197 statewide, top 14%, 1,262 students, 100% FRL) — zoned schools average 100% FRL vs 57% district-wide (42 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.3%/yr); 265 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 343 units permitted in Rankin County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($65k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Rankin County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $166,513 (16.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.84% ✗
• Cap rate: 7.03%
• Cash-on-cash: 2.63%
• DSCR: 1.12
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $151,476
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1001 Twin Pine Ln	0.03mi	2/1.0 (-1)	904 (-7%)	10mo	$145,000	$160	74
1961 Edwin Ave	0.27mi	3/1.5	1,047 (+8%)	10mo	$189,500	$181	64
1902 Gloria Dr	0.17mi	3/1.0	1,032 (+6%)	22mo	$84,900	$82	63
741 Sandy Ln	0.42mi	3/1.0	1,080 (+11%)	6mo	$168,000	$156	56
819 Deborah St	0.13mi	2/2.0 (-1)	1,100 (+13%)	23mo	$162,500	$148	44
749 Sandy Ln	0.45mi	3/1.0	1,116 (+15%)	14mo	$175,000	$157	43
757 Sandy Ln	0.47mi	3/1.0	1,065 (+10%)	24mo	$155,000	$146	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 6.34% rent growth · sell at horizon

5-year hold

• IRR: -8.9%
• Equity multiple: 0.66×
• Total profit: $-18,763
• Equity at exit: $29,672

10-year hold

• IRR: 4.1%
• Equity multiple: 1.34×
• Total profit: $18,756
• Equity at exit: $17,206

Cash invested: $55,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Mississippi: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; very landlord-favorable; no rent control.

Methodology + full state rankings →

ZIP-level market 39208

• Home prices YoY: -20.3%
• Rents YoY: 6.3%
• Active inventory: 265
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,665 medium
• Mortgage (P&I): −$1,044
• Tax from tax record: −$67 /mo · $800/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $122

Break-even live

Break-even rent $1,510

Max offer price $199,000

Occupancy floor 88%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
200 Colony Park Dr Pearl, MS	1.0–3.0	1.0–2.0	1152	$1,790	$1.55	14d	18	0.41mi

Listing history 10 events

1. 2026-06-18
   days on market $199,000 Active 14 DOM
2. 2026-06-17
   days on market $199,000 Active 13 DOM
3. 2026-06-16
   days on market $199,000 Active 12 DOM
4. 2026-06-15
   days on market $199,000 Active 11 DOM
5. 2026-06-14
   days on market $199,000 Active 9 DOM
6. 2026-06-10
   days on market $199,000 Active 6 DOM
7. 2026-06-09
   days on market $199,000 Active 5 DOM
8. 2026-06-08
   days on market $199,000 Active 4 DOM
9. 2026-06-07
   remarks 699-char remark
10. 2026-06-07
    listed $199,000 Active 3 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MS · Resets to sale price

• Current annual tax: $800 · $67/mo
• Projected year-2 tax: $1,572 · $131/mo
• Expected delta: +$772/yr (+$64/mo · 96.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,982
• − Mortgage interest: −$11,147
• − Property taxes: −$800
• − Insurance: −$995
• − Repairs & maintenance: −$1,599
• − Management: −$1,599
• − Depreciation: −$5,789
• Taxable loss: −$1,947
• Est. tax savings @ 24.0%: +$467
• After-tax cash flow: $1,935/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Pearl Public School District
• NCES district ID: 2803520
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 42% ▼ -9.00%
• Median HH income: $42,525
• Composite: 36.29/100
• National rank: #4699
• State rank: #32 of 130 in MS

Livability — Pearl

• Score: 73/100
• State rank: #19
• US rank: #5662

Category grades

Amenities F Commute F Cost of living A+ Crime A- Employment D- Housing A+ Health & safety A+ User ratings B-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pearl, MS
• County: Rankin County · 123,614 people
• City population: 34,442
• Metro: Jackson, MS
• Population (ZIP): 34,442
• Household income: $65,480
• Rent vs Own: 35.3% rent · 64.7% own
• Severe rent burden: 1235.0

Population outlook (Rankin County) Hauer SSP2

• Today (2025): 164,317 people
• By 2030: 171,013 · +4.1%
• By 2040: 182,723 · +11.2%
• By 2050: 192,376 · +17.1%
• By 2075: 209,535 · +27.5%
• By 2100: 209,534 · +27.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (60%)
• Race & ethnicity: White 60% Black 31% Hispanic / Latino 5% Two or more races 3% Asian 2%
• Common ancestry: Italian 5% Slovak 1% Serbian 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 93% English-only · Spanish 4% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Rankin

• 2024 margin: Solid R (+47.1) · D 25.9% · R 73.0% · Other 1.0%
• 2008→2024 swing: +6.4pp toward D · 2008: -53.5pp · 2024: -47.1pp
• All cycles: 2024: R+47.1 2020: R+45.4 2016: R+52.9 2012: R+51.9 2008: R+53.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -49.11%
• Current HPI: 193.0609
• Rent YoY: ▲ 6.34%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+142.7% since first listed

9 events — show timeline

• 2026-06-04 Listed $199,000 MLSU
• 2026-05-08 Sold (Public Records) — Public Records
• 2026-05-08 Sold (Public Records) — Public Records
• 2020-08-10 Sold (Public Records) — Public Records
• 2020-08-10 Sold (MLS) — MLSU
• 2020-05-24 Listed $127,000 MLSU
• 2004-07-01 Sold (Public Records) — Public Records
• 2004-07-01 Sold (MLS) — MLSU
• 2004-03-29 Listed $82,000 MLSU

Property tax history

+1.9%/yr

Latest (2025): $800 · +0.0% YoY. Source: county tax records.