925 Motsie Rd · Biloxi, MS 39532

$189,900

3 bd · 1.5 ba · 1,030 sqft · SingleFamily · 58 Days on market

Built 2025 Excellent condition 1,306 sqft lot $184/sqft · 8% above area Est $176k · 8% over $193/mo HOA · 10% of rent ↓ 6% since listing

---

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 +12.9/30.0
• Condition / age +5.0/5.0
• 1% rule +4.9/10.0
• Schools +4.5/10.0
• Livability +4.0/5.0
• DSCR +3.9/10.0
• ARV discount +3.9/15.0
• Rent growth +3.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Discover the perfect blend of privacy and low-maintenance living in this charming, fully detached 3-bedroom, 1.5-bath cottage, ideally located just minutes from Keesler AFB, I-10, and Biloxi's premier dining and entertainment. Designed for those who want the independence of a single-family home with the effortless "lock-and-leave" lifestyle of a townhome, this zero-lot-line property eliminates weekend yard work without the hassle of shared walls. The inviting interior features a smart, open-concept main floor where the living room flows into the kitchen and dining area, complete with a convenient half bath. Upstairs, you'll find a private retreat featuring three bedrooms and a ful

Key facts

• Fully detached
• Private rear patio
• 1,306 sq ft lot

Tags

• FULLY DETACHED
• OPEN-CONCEPT MAIN FLOOR
• PRIVATE REAR PATIO
• CLASSIC COVERED FRONT PORCH

Property features AI

Finance

• HOA & community: Association with quarterly fee of $580; Association covers grounds maintenance

Exterior

• Parking: Common parking lot with 1 parking space total
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family house; Two levels; Model: Parker; New construction
• Construction: HardiPlank siding; Siding construction; Architectural shingle roof; Slab foundation; Built per plans (year built from public records)
• Exterior features: Front porch; Patio; Private yard; City lot; Zero lot line

Interior

• Kitchen: Dishwasher; Disposal; Oven; Refrigerator
• Bedrooms: Three bedrooms on the second floor; One bedroom on the first floor
• Bathrooms: One full bathroom; One half bathroom (1.5 total bathrooms)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Move-in ready; Living room; Total of 6 rooms
• Laundry & utility: Washer/Dryer included

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $190k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-14 ($-173/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (1.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $189k (0.6% below list).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 6.2% vs local median 3.5% in Biloxi — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 79/100 on livability (#6 in MS, #2,141 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: commute D+, amenities F, employment D-.
• Biloxi Public School District (urban): math 60% / reading 48% proficiency, ranked #7 of 130 in MS (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: North Bay Elementary School (math 67% / reading 67%, grade B+, #11 of 375 statewide, top 3%, 754 students, 100% FRL); Biloxi Junior High (math 60% / reading 43%, grade C, #27 of 179 statewide, top 16%, 881 students, 100% FRL); Biloxi High School (math 65% / reading 53%, grade C+, #7 of 197 statewide, top 3%, 1,728 students, 100% FRL) — zoned schools average 100% FRL vs 59% district-wide (40 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.0%/yr); 393 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($69k/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.
• Harrison County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 58 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,203 (3.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.99% ✗
• Cap rate: 6.20%
• Cash-on-cash: -0.32%
• DSCR: 0.99
• GRM: 8.4

CMA / ARV

• ARV (median comp): $175,895
• List price: $189,900
• Delta: 7.96%
• Verdict: FAIR
• Comps: 15 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
903 Motsie Rd	0.03mi	3/1.5	1,030 (0%)	8mo	$202,990	$197	92
943 Motsie Rd #25	0.03mi	3/1.5	1,000 (-3%)	10mo	$189,990	$190	86
931 Motsie Rd #6	0.01mi	3/1.5	1,000 (-3%)	15mo	$190,990	$191	83

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 · 2.98% rent growth · sell at horizon

5-year hold

• IRR: -16.8%
• Equity multiple: 0.41×
• Total profit: $-31,579
• Equity at exit: $28,315

10-year hold

• IRR: -8.5%
• Equity multiple: 0.47×
• Total profit: $-28,237
• Equity at exit: $16,419

Cash invested: $53,172 (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 39532

• Rents YoY: 3.0%
• Active inventory: 393
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,887 high
• Mortgage (P&I): −$996
• Tax est. 1.5%: −$237 /mo · $2,848/yr
• Insurance: −$79
• HOA: −$193
• Vacancy / Maint / Mgmt: −$396
• Net cashflow: $-14

Break-even live

Break-even rent $1,906

Max offer price $187,818

Occupancy floor 96%

Sensitivity live

Price	-10% $117	-5% $51	+0% $-14	+5% $-80	+10% $-146
Rent	-10% $-163	-5% $-89	+0% $-14	+5% $60	+10% $135
Rate	-1.0pp $81	-0.5pp $34	base $-14	+0.5pp $-64	+1.0pp $-114

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
941 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.03mi
927 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.04mi
923 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.06mi
949 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.06mi
947 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.07mi
945 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.07mi
935 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.07mi
933 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.07mi
919 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.08mi
917 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.08mi
913 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.08mi
909 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.08mi
907 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.08mi
905 Motsie Rd Biloxi, MS	3.0	1.5	1030	$1,950	$1.89	45d	1	0.10mi
880 Motsie Rd Apt C109 Biloxi, MS	3.0	2.0	1140	$1,600	$1.40	45d	1	0.26mi
831 Cedar Lake Rd Biloxi, MS	1.0–3.0	1.0–2.0	1065	$1,699	$1.59	15d	9	0.60mi
1773 Popps Ferry Rd Biloxi, MS	1.0–2.0	1.0–2.0	968	$1,205	$1.24	15d	13	0.61mi
1735 Tribe Dr Biloxi, MS	3.0	2.0	1290	$2,195	$1.70	15d	12	0.83mi
11136 Windsor Hill Dr Diberville, MS	3.0	2.0	1301	$1,749	$1.34	45d	1	0.91mi
2 Sandalwood Ct Diberville, MS	3.0	2.0	1290	$1,625	$1.26	45d	1	1.16mi
4294 Popps Ferry Rd Diberville, MS	2.0	2.0	1176	$1,575	$1.34	45d	1	1.17mi
678 Meadow Dr Diberville, MS	3.0	1.5	1112	$1,500	$1.35	15d	1	1.18mi
329 Springdale Cir D'Iberville, MS	3.0	2.0	1176	$1,600	$1.36	45d	1	1.32mi
630 Bay Cove Dr Biloxi, MS	2.0–3.0	2.0	1780	$3,450	$1.94	45d	2	1.39mi

HOA detail

• Monthly dues: $193 · $2,316/yr

Listing history 21 events

1. 2026-06-21
   days on market $189,900 Active 58 DOM
2. 2026-06-18
   days on market $189,900 Active 55 DOM
3. 2026-06-17
   days on market $189,900 Active 54 DOM
4. 2026-06-16
   days on market $189,900 Active 53 DOM
5. 2026-06-15
   days on market $189,900 Active 52 DOM
6. 2026-06-14
   days on market $189,900 Active 50 DOM
7. 2026-06-13
   days on market $189,900 Active 49 DOM
8. 2026-06-09
   days on market $189,900 Active 46 DOM
9. 2026-06-08
   days on market $189,900 Active 45 DOM
10. 2026-06-07
    days on market $189,900 Active 44 DOM
11. 2026-06-05
    days on market $189,900 Active 41 DOM
12. 2026-06-03
    days on market $189,900 Active 40 DOM
13. 2026-06-02
    days on market $189,900 Active 39 DOM
14. 2026-06-01
    days on market $189,900 Active 38 DOM
15. 2026-05-31
    days on market $189,900 Active 37 DOM
16. 2026-05-30
    pricedays on market $189,900 Active 36 DOM
17. 2026-05-16
    historical $1,950
18. 2026-04-24
    listed $199,900 Active 1069-char remark
19. 2026-01-22
    listed $1,950
20. 2026-01-07
    historical
21. 2025-07-03
    listed $202,990 Active

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,648
• − Mortgage interest: −$10,637
• − Property taxes: −$2,848
• − Insurance: −$950
• − Repairs & maintenance: −$1,812
• − Management: −$1,812
• − HOA: −$2,316
• − Depreciation: −$5,524
• Taxable loss: −$3,252
• Est. tax savings @ 24.0%: +$780
• After-tax cash flow: $608/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.

Condition & rehab AI · 13 photos

Excellent 100/100 None rehab

This brand new construction home is move-in ready with excellent condition and no visible repairs needed. It offers a great opportunity for both resale and rental value with potential for further improvements.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers
• Both Add smart home features — Improves convenience and can increase both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers ↑
• Both Add smart home features — Improves convenience and can increase both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Biloxi Public School District
• NCES district ID: 2800630
• Math proficiency: 60% ▼ -7.00%
• Reading proficiency: 48% ▼ -3.00%
• Median HH income: $40,608
• Composite: 45.26/100
• National rank: #2657
• State rank: #7 of 130 in MS

Livability — Biloxi

• Score: 79/100
• State rank: #6
• US rank: #2141

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Biloxi, MS
• County: Harrison County · 178,171 people
• City population: 63,281
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 36,662
• Household income: $68,710
• Rent vs Own: 36.7% rent · 63.3% own
• Severe rent burden: 954.0

Population outlook (Harrison County) Hauer SSP2

• Today (2025): 228,444 people
• By 2030: 241,942 · +5.9%
• By 2040: 267,531 · +17.1%
• By 2050: 291,062 · +27.4%
• By 2075: 346,711 · +51.8%
• By 2100: 378,165 · +65.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 15% Two or more races 9% Hispanic / Latino 6% Asian 4%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Lithuanian 5% Italian 2% Serbian 2%
• Foreign-born: 4% · Vietnam, Canada
• Languages at home: 94% English-only · Spanish 2% Vietnamese 1% Other Indo-European 1%

Political lean MEDSL · Harrison

• 2024 margin: Strong R (+28.9) · D 35.0% · R 63.9% · Other 1.1%
• 2008→2024 swing: -2.9pp toward R · 2008: -26.0pp · 2024: -28.9pp
• All cycles: 2024: R+28.9 2020: R+25.2 2016: R+30.7 2012: R+26.6 2008: R+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.04%
• Current HPI: 154.9975
• Rent YoY: ▲ 2.98%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

-6.4% since first listed

6 events — show timeline

• 2026-05-29 Price Changed $189,900 MLSU
• 2026-05-16 Rental Removed $1,950 MLSU
• 2026-04-24 Listed $199,900 MLSU
• 2026-01-22 Listed for Rent $1,950 MLSU
• 2026-01-07 Listing Removed — MLSU
• 2025-07-03 Listed $202,990 MLSU