10757 Linohau Way · Diamondhead, MS 39525

$219,500

3 bd · 2.0 ba · 1,444 sqft · SingleFamily public records · 41 Days on market

Built 1997 7,840 sqft lot $152/sqft · 10% above area Est $200k · 10% over

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Why this score? — see what drove the C- 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 +22.6/30.0
• DSCR +7.3/10.0
• 1% rule +5.3/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• ARV discount +3.0/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully renovated home on quite street. This home offers a split floor plan with a wonderful flow. It offers new flooring and paint through out. Master suit includes a large jet tube. It's hard to list all the indoor features of this stunning home. Schedule your private tour today!

Key facts

• Attached garage
• Entertaining deck
• Minutes from golf

Tags

• PRIVACY FENCED YARD
• ENTERTAINING DECK
• ATTACHED GARAGE
• MINUTES FROM SHOPPING
• MINUTES FROM DINING
• MINUTES FROM GOLF

Property features AI

Finance

• HOA & community: Community amenities: boating, clubhouse, fishing, golf, health club, playground, pool, spa, street lights

Exterior

• Parking: 2-car garage; Concrete driveway; Garage door opener; Garage faces side; Guest parking
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected
• Home design: Single-family house; One level; Move-in ready
• Construction: Brick veneer construction; Shingle roof; Slab foundation; Built in 1,444 living area (per assessor)
• Exterior features: Private yard; Deck; Porch; Rain gutters; Back yard fencing

Interior

• Kitchen: Disposal; Oven; Refrigerator
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric, heat pump); Central air conditioning (electric)
• Interior features: Cathedral ceilings; Ceiling fans; High ceilings; Walk-in closets; Wood-burning fireplace
• Laundry & utility: Laundry area in kitchen; Laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $375 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $220k).
• Recommended offer: $213k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.3% vs local median 4.8% in Diamondhead — 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 68/100 on livability (#59 in MS) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Hancock County School District (rural): math 47% / reading 44% proficiency, ranked #23 of 130 in MS (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Hancock Elementary School (math 64% / reading 59%, grade B, #22 of 375 statewide, top 6%, 639 students, 100% FRL); Hancock Middle School (math 48% / reading 44%, grade D+, #39 of 179 statewide, top 22%, 958 students, 100% FRL); Hancock High School (math 42% / reading 43%, grade F, #42 of 197 statewide, top 21%, 1,187 students, 100% FRL) — zoned schools average 100% FRL vs 58% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 246 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 248 units permitted in Hancock County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($87k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Hancock County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y 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, 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 $212,915 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 8.34%
• Cash-on-cash: 7.32%
• DSCR: 1.33
• GRM: 8.1

CMA / ARV

• ARV (median comp): $199,721
• List price: $219,500
• Delta: 9.90%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10763 Lilinoe Way	0.17mi	3/2.0	1,444 (0%)	5mo	$175,000	$121	88
10737 Linohau Way	0.14mi	3/2.0	1,508 (+4%)	4mo	$239,500	$159	82
9823 Ala Moana St	0.48mi	3/2.0	1,498 (+4%)	2mo	$229,000	$153	70
87112 Highpoint Dr	0.60mi	3/2.0	1,475 (+2%)	1mo	$319,000	$216	67
9827 Ana Hulu St	0.61mi	3/2.0	1,469 (+2%)	3mo	$245,000	$167	66
9817 Pokai Way	0.39mi	3/2.0	1,561 (+8%)	6mo	$235,000	$151	63
8826 Kipapa Way	0.69mi	3/2.0	1,413 (-2%)	1mo	$249,000	$176	63
9826 Ala Moana St	0.49mi	4/2.0 (+1)	1,361 (-6%)	1mo	$239,997	$176	61
9838 Ala Moana St	0.44mi	3/2.0	1,614 (+12%)	1mo	$299,900	$186	59
988 Kaimuki Ct	0.59mi	3/2.0	1,315 (-9%)	1mo	$189,999	$144	57
992 Hamakua Ct	0.73mi	3/2.0	1,540 (+7%)	6mo	$214,900	$140	50
8878 Kipapa Ct	0.64mi	3/2.0	1,288 (-11%)	5mo	$199,000	$155	48

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -5.1%
• Equity multiple: 0.81×
• Total profit: $-11,716
• Equity at exit: $32,728

10-year hold

• IRR: 4.5%
• Equity multiple: 1.33×
• Total profit: $20,420
• Equity at exit: $18,978

Cash invested: $61,460 (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 39525

• Home prices YoY: -19.1%
• Active inventory: 246
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,256 medium
• Mortgage (P&I): −$1,151
• Tax from tax record: −$165 /mo · $1,979/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$474
• Net cashflow: $375

Break-even live

Break-even rent $1,782

Max offer price $219,500

Occupancy floor 78%

Sensitivity live

Price	-10% $499	-5% $437	+0% $375	+5% $313	+10% $251
Rent	-10% $197	-5% $286	+0% $375	+5% $464	+10% $553
Rate	-1.0pp $486	-0.5pp $431	base $375	+0.5pp $318	+1.0pp $260

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: $54,875
• Closing costs: $6,585
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
250 Highpoint Dr Unit 250 Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	21d	1	0.64mi
250 Highpoint Dr Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	44d	1	0.64mi
289 Highpoint Dr Diamondhead, MS	2.0	2.5	1340	$1,700	$1.27	14d	1	0.67mi

Listing history 25 events

1. 2026-06-18
   days on market $219,500 Active 41 DOM
2. 2026-06-17
   days on market $219,500 Active 40 DOM
3. 2026-06-16
   days on market $219,500 Active 39 DOM
4. 2026-06-15
   days on market $219,500 Active 38 DOM
5. 2026-06-14
   days on market $219,500 Active 36 DOM
6. 2026-06-13
   days on market $219,500 Active 35 DOM
7. 2026-06-10
   days on market $219,500 Active 33 DOM
8. 2026-06-09
   days on market $219,500 Active 32 DOM
9. 2026-06-08
   days on market $219,500 Active 31 DOM
10. 2026-06-07
    days on market $219,500 Active 30 DOM
11. 2026-06-05
    days on market $219,500 Active 27 DOM
12. 2026-06-03
    days on market $219,500 Active 26 DOM
13. 2026-06-02
    days on market $219,500 Active 25 DOM
14. 2026-06-01
    days on market $219,500 Active 24 DOM
15. 2026-05-31
    days on market $219,500 Active 23 DOM
16. 2026-05-30
    days on market $219,500 Active 22 DOM
17. 2026-05-08
    listed $219,500 Active 866-char remark
18. 2019-05-31
    soldstatus 286-char remark

    Show marketing remark (286 chars)

    Beautifully renovated home on quite street. This home offers a split floor plan with a wonderful flow. It offers new flooring and paint through out. Master suit includes a large jet tube. It's hard to list all the indoor features of this stunning home. Schedule your private tour today!

19. 2019-04-12
    listed $129,000 286-char remark

    Show marketing remark (286 chars)

    Beautifully renovated home on quite street. This home offers a split floor plan with a wonderful flow. It offers new flooring and paint through out. Master suit includes a large jet tube. It's hard to list all the indoor features of this stunning home. Schedule your private tour today!

20. 2011-01-24
    soldstatus

    Show marketing remark (213 chars)

    Diamondhead's ''diamond in the rough''. Would make for a great rental or investment for turn around. Needs a fair amount of repair. Bank of America prequalification letter required on all offers. (SOLD AT AUCTION)

21. 2010-10-20
    listed $77,900

    Show marketing remark (213 chars)

    Diamondhead's ''diamond in the rough''. Would make for a great rental or investment for turn around. Needs a fair amount of repair. Bank of America prequalification letter required on all offers. (SOLD AT AUCTION)

22. 2008-04-01
    soldstatus
23. 2008-03-20
    soldstatus
24. 2007-12-04
    listed $108,900
25. 2003-05-19
    soldstatus

ⓘ 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: $1,979 · $165/mo
• Projected year-2 tax: $1,979 · $165/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,075
• − Mortgage interest: −$12,295
• − Property taxes: −$1,979
• − Insurance: −$1,098
• − Repairs & maintenance: −$2,166
• − Management: −$2,166
• − Depreciation: −$6,385
• Taxable income: $986
• Est. tax owed @ 24.0%: −$237
• After-tax cash flow: $4,264/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: Hancock County School District
• NCES district ID: 2801740
• Math proficiency: 47% ▼ -11.00%
• Reading proficiency: 44% ▼ -9.00%
• Median HH income: $47,971
• Composite: 38.88/100
• National rank: #4099
• State rank: #23 of 130 in MS

Livability — Diamondhead

• Score: 68/100
• State rank: #59
• US rank: #9320

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Diamondhead, MS
• County: Hancock County · 9,338 people
• City population: 9,338
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 9,338
• Household income: $87,407
• Rent vs Own: 10.3% rent · 89.7% own

Population outlook (Hancock County) Hauer SSP2

• Today (2025): 52,161 people
• By 2030: 54,753 · +5.0%
• By 2040: 59,242 · +13.6%
• By 2050: 62,417 · +19.7%
• By 2075: 68,168 · +30.7%
• By 2100: 69,212 · +32.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 9% Hispanic / Latino 8% Black 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 10% Slovak 3% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Hancock

• 2024 margin: Solid R (+58.7) · D 20.1% · R 78.8% · Other 1.1%
• 2008→2024 swing: -4.4pp toward R · 2008: -54.2pp · 2024: -58.7pp
• All cycles: 2024: R+58.7 2020: R+55.5 2016: R+59.4 2012: R+52.8 2008: R+54.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.77%
• Current HPI: 193.4883
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+101.6% since first listed

9 events — show timeline

• 2026-05-08 Listed $219,500 MLSU
• 2019-05-31 Sold (MLS) — MLSU
• 2019-04-12 Listed $129,000 MLSU
• 2011-01-24 Sold (MLS) — MLSU
• 2010-10-20 Listed $77,900 MLSU
• 2008-04-01 Sold (Public Records) — Public Records
• 2008-03-20 Sold (MLS) — MLSU
• 2007-12-04 Listed $108,900 MLSU
• 2003-05-19 Sold (Public Records) — Public Records

Property tax history

+24.8%/yr

Latest (2025): $1,979 · +0.0% YoY. Source: county tax records.