168 Dahlia St · Biloxi, MS 39531

$125,000

3 bd · 1.0 ba · 1,664 sqft · SingleFamily public records · 35 Days on market

Built 1952 Average condition 5,662 sqft lot $75/sqft · 33% below area Est $189k · 34% under ↓ 16% since listing

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.4/10.0
• Livability +4.0/5.0
• Condition / age +2.8/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming 3-bedroom, 1-bath brick home located in the heart of Biloxi! This single-story property features a spacious layout with an eat-in kitchen, tile flooring, updated countertops, and a covered front porch. The home offers central heat and air, natural gas, and a private driveway with ample parking. Situated on a level city lot with a large yard, this property is conveniently located near shopping, dining, schools, entertainment, and the Mississippi Gulf Coast beaches. Great opportunity for an owner-occupant or investor looking for a move-in ready property with strong rental potential.

Key facts

• Covered front porch
• Central heat and air
• Brick home

Tags

• BRICK HOME
• EAT-IN KITCHEN
• TILE FLOORING
• UPDATED COUNTERTOPS
• COVERED FRONT PORCH
• CENTRAL HEAT AND AIR

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $750 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 3.8% 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: Back Bay Elementary School (math 51% / reading 50%, grade D+, #59 of 375 statewide, top 16%, 535 students, 99% 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 flat; 268 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% 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 44% of the median local income ($54k/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 $864 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 0.1% rent growth), your $35k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.58% ✓
• Cap rate: 13.49%
• Cash-on-cash: 25.72%
• DSCR: 2.14
• GRM: 5.3

CMA / ARV

• ARV (median comp): $189,318
• List price: $125,000
• Delta: -33.97%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
166 Daisy St	0.33mi	3/2.0	1,410 (-15%)	4mo	$335,000	$238	52
1775 Currie St	1.11mi	3/2.0	1,630 (-2%)	8mo	$145,000	$89	51
383 Jim Money Rd	0.89mi	3/1.0	1,576 (-5%)	7mo	$110,000	$70	51
1986 Greater Ave	0.25mi	3/2.0	1,400 (-16%)	11mo	$179,000	$128	50
257 Beeman Dr	1.04mi	3/2.0	1,600 (-4%)	8mo	$199,000	$124	48
218 Dogwood Dr	0.91mi	3/1.5	1,548 (-7%)	7mo	$129,000	$83	46
313 Hiller Dr	0.72mi	4/1.5 (+1)	1,576 (-5%)	8mo	$178,000	$113	44
379 Greenwood Dr	0.97mi	3/1.5	1,350 (-19%)	8mo	$139,900	$104	32
2146 Driftwood Dr	0.73mi	3/2.0	1,406 (-16%)	10mo	$178,000	$127	29
349 Park Cir	0.95mi	3/2.5	1,906 (+14%)	8mo	$219,999	$115	28
1772 Pass Rd	1.08mi	3/2.0	1,353 (-19%)	10mo	$125,000	$92	28
244 Beeman Dr	1.05mi	4/2.0 (+1)	1,342 (-19%)	5mo	$219,900	$164	27

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 · 0.05% rent growth · sell at horizon

5-year hold

• IRR: 16.1%
• Equity multiple: 1.62×
• Total profit: $21,834
• Equity at exit: $18,638

10-year hold

• IRR: 22.5%
• Equity multiple: 2.67×
• Total profit: $58,522
• Equity at exit: $10,808

Cash invested: $35,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 11 active · 3 under contract
• Months of supply: 33.0 mo (3%/mo absorbed)
• Median asking: $219,900 ($147/sqft)
• Median days on market: 87 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -22.5% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 39531

• Home prices YoY: -13.0%
• Rents YoY: 0.1%
• Active inventory: 268
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,972 high
• Mortgage (P&I): −$656
• Tax from tax record: −$100 /mo · $1,202/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$414
• Net cashflow: $750

Break-even live

Break-even rent $1,022

Max offer price $125,000

Occupancy floor 57%

Sensitivity live

Price	-10% $821	-5% $786	+0% $750	+5% $715	+10% $679
Rent	-10% $594	-5% $672	+0% $750	+5% $828	+10% $906
Rate	-1.0pp $813	-0.5pp $782	base $750	+0.5pp $718	+1.0pp $685

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: $31,250
• Closing costs: $3,750
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2046 Beach Blvd Biloxi, MS	2.0	2.0	1152	$2,200	$1.91	70d	1	0.13mi
2060 Beach Blvd #604 Biloxi, MS	2.0	2.0	1670	$2,849	$1.71	62d	1	0.24mi
310 Abbey Ct Biloxi, MS	2.0–3.0	1.0–2.0	1062	$1,275	$1.20	70d	17	0.60mi
2611 Heidi LN Biloxi, MS	3.0	2.5	1550	$1,775	$1.15	70d	1	0.71mi
340 Hiller Dr Biloxi, MS	3.0	2.0	1447	$1,749	$1.21	70d	1	0.74mi
1805 Irish Hill Dr #4 Biloxi, MS	3.0	2.0	1600	$2,400	$1.50	92d	1	0.85mi
2436 Beach Blvd Biloxi, MS	3.0	2.0	1260	$975	$0.77	93d	1	1.11mi
2387 Trafalgar Dr Biloxi, MS	3.0	2.0	1375	$1,700	$1.24	70d	1	1.12mi
1713 Stevens St Unit A Biloxi, MS	3.0	2.0	1100	$1,300	$1.18	70d	1	1.24mi
390 Bertucci Blvd Biloxi, MS	3.0	2.0	1358	$1,800	$1.33	92d	1	1.28mi
2386 Merlin Cv Biloxi, MS	3.0	2.0	1500	$1,600	$1.07	62d	1	1.32mi
270 Rodenberg Ave Biloxi, MS	3.0	2.0	1180	$1,100	$0.93	92d	1	1.34mi
1737 James Buchanan Dr Biloxi, MS	3.0	2.0	1328	$1,650	$1.24	92d	1	1.34mi
258 Stennis Dr Biloxi, MS	2.0	1.0–2.0	1040	$1,245	$1.20	62d	1	1.37mi
151 Grande View Dr Biloxi, MS	1.0–3.0	1.0–2.0	1268	$1,889	$1.49	62d	23	1.44mi
187 Bilmarsan Dr Biloxi, MS	3.0	2.0	1850	$2,670	$1.44	92d	1	1.47mi

Property features AI

Exterior

• Parking: Driveway parkingOn-site parking for 2 vehicles
• Utilities: Public waterPublic sewer (connected)Electricity availableNatural gas availableCable available
• Home design: Single-family houseOne storyMove-in ready
• Construction: Brick veneer constructionShingle roofSlab foundationBuilt (year per public records)
• Exterior features: Private yardRain guttersBrick front porchBrick patio/porch elements

Interior

• Kitchen: DishwasherFree-standing gas rangeRefrigeratorEat-in kitchen layout
• Bedrooms: Bedroom (main level not specified)
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (forced air)Central air conditioning
• Interior features: Ceiling fansEat-in kitchenSoaking tub5 total rooms
• Laundry & utility: Dryer

Listing history 42 events

1. 2026-08-08
   days on market $125,000 Active 35 DOM
2. 2026-08-07
   status $125,000 Active 34 DOM
3. 2026-07-30
   statusdays on market $125,000 Pending 34 DOM
4. 2026-07-29
   days on market $125,000 Active 33 DOM
5. 2026-07-27
   days on market $125,000 Active 31 DOM
6. 2026-07-25
   days on market $125,000 Active 29 DOM
7. 2026-07-24
   days on market $125,000 Active 28 DOM
8. 2026-07-23
   days on market $125,000 Active 27 DOM
9. 2026-07-22
   days on market $125,000 Active 26 DOM
10. 2026-07-22
    price $125,000 Active 25 DOM
11. 2026-07-21
    days on market $135,000 Active 25 DOM
12. 2026-07-18
    days on market $135,000 Active 22 DOM
13. 2026-07-16
    days on market $135,000 Active 20 DOM
14. 2026-07-16
    days on market $135,000 Active 19 DOM
15. 2026-07-14
    days on market $135,000 Active 18 DOM
16. 2026-07-13
    days on market $135,000 Active 17 DOM
17. 2026-07-12
    days on market $135,000 Active 16 DOM
18. 2026-07-11
    days on market $135,000 Active 15 DOM
19. 2026-07-10
    days on market $135,000 Active 14 DOM
20. 2026-07-09
    days on market $135,000 Active 13 DOM
21. 2026-07-08
    days on market $135,000 Active 12 DOM
22. 2026-07-07
    days on market $135,000 Active 11 DOM
23. 2026-07-06
    days on market $135,000 Active 10 DOM
24. 2026-07-05
    days on market $135,000 Active 9 DOM
25. 2026-07-04
    days on market $135,000 Active 8 DOM
26. 2026-07-03
    days on market $135,000 Active 7 DOM
27. 2026-07-02
    days on market $135,000 Active 6 DOM
28. 2026-07-01
    days on market $135,000 Active 5 DOM
29. 2026-06-30
    days on market $135,000 Active 4 DOM
30. 2026-06-29
    days on market $135,000 Active 3 DOM
31. 2026-06-28
    days on market $135,000 Active 2 DOM
32. 2026-06-27
    pricedays on marketlisting id $135,000 Active 1 DOM
33. 2026-06-09
    days on market $145,000 Active 17 DOM
34. 2026-06-08
    days on market $145,000 Active 16 DOM
35. 2026-06-07
    days on market $145,000 Active 15 DOM
36. 2026-06-05
    days on market $145,000 Active 12 DOM
37. 2026-06-03
    pricedays on market $145,000 Active 11 DOM
38. 2026-06-02
    days on market $149,000 Active 10 DOM
39. 2026-06-01
    days on market $149,000 Active 9 DOM
40. 2026-05-31
    days on market $149,000 Active 8 DOM
41. 2026-05-30
    days on market $149,000 Active 7 DOM
42. 2026-05-23
    listed $149,000 Active

ⓘ 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: $1,202 · $100/mo
• Projected year-2 tax: $1,202 · $100/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,665
• − Mortgage interest: −$7,002
• − Property taxes: −$1,202
• − Insurance: −$625
• − Repairs & maintenance: −$1,893
• − Management: −$1,893
• − Depreciation: −$3,636
• Taxable income: $7,413
• Est. tax owed @ 24.0%: −$1,779
• After-tax cash flow: $7,223/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 · 9 photos

Average 55/100 Cosmetic rehab Est. rehab $8,320–$24,960 screening

A charming 3-bedroom, 1-bath brick home in Biloxi, with average condition and some minor repairs needed. Potential for cosmetic updates to boost value.

Repairs flagged

• Minor Paint — Some discoloration on exterior brick
• Minor Landscaping — Some overgrown areas

Value-add opportunities

• Both Paint exterior and landscaping — Enhances curb appeal and value ↑
• Resale Replace countertops — Modernizes kitchen and adds value ↑
• Resale Replace sink — Modernizes bathroom and adds value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 54/100

Zoned Schools

Elementary Back Bay Elementary School D+ MS #59/375 Nat'l #12,398/41,679 Middle Biloxi Junior High C MS #27/179 Nat'l #3,192/14,009 High Biloxi High School C+ MS #7/197 Nat'l #3,898/17,239

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

B Composite livability gradescore 79/100

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 · 228,444 people
• City population: 63,281
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 18,918
• Household income: $54,218
• Rent vs Own: 61.4% rent · 38.6% own
• Severe rent burden: 8% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 60% Black 18% Two or more races 12% Hispanic / Latino 11% Asian 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 6% Slovak 2% Serbian 1%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 6% Arabic 1% Other Indo-European 1%

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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: ▼ -28.97%
• Current HPI: 193.4018
• Rent YoY: ▬ 0.05%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Property features AI

Exterior

• Parking: Driveway parkingOn-site parking for 2 vehicles
• Utilities: Public waterPublic sewer (connected)Electricity availableNatural gas availableCable available
• Home design: Single-family houseOne storyMove-in ready
• Construction: Brick veneer constructionShingle roofSlab foundationBuilt (year per public records)
• Exterior features: Private yardRain guttersBrick front porchBrick patio/porch elements

Interior

• Kitchen: DishwasherFree-standing gas rangeRefrigeratorEat-in kitchen layout
• Bedrooms: Bedroom (main level not specified)
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (forced air)Central air conditioning
• Interior features: Ceiling fansEat-in kitchenSoaking tub5 total rooms
• Laundry & utility: Dryer

Price history

-16.1% since first listed

6 events — show timeline

• 2026-07-21 Price Changed $125,000 MLSU
• 2026-06-26 Listed $135,000 MLSU
• 2026-06-12 Listing Removed — MLSU
• 2026-06-10 Price Changed $139,900 MLSU
• 2026-06-03 Price Changed $145,000 MLSU
• 2026-05-23 Listed $149,000 MLSU

Property tax history

+10.1%/yr

Latest (2025): $1,202 · +5.3% YoY. Source: county tax records.