564 Virgin Mary Rd · Camden, MS 39045

$50,000

3 bd · 1.0 ba · 1,068 sqft · SingleFamily public records · 181 Days on market

Built 1990 1.00 ac lot ↓ 17% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Schools +4.8/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this peaceful and private rural area of Madison county. This 3 bedroom/ 1 bath home sits on 1 acre of land. This fixer upper is the perfect opportunity to transform this home into your dream home, a getaway or an investment. Come see for yourself and allow your vision to come alive with this property. The home is being sold As Is via Quitclaim Deed.

Key facts

• 1 acre lot
• Parking
• Built 1990

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $496 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $44k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Madison County School District (rural): math 54% / reading 54% proficiency, ranked #3 of 130 in MS (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 15 active listings in the ZIP; 553 units permitted in Madison County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($346 loan paydown + $2k appreciation (3.0% local appreciation)).
• Madison County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 181 days — a 12% lower offer ($44k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $44,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 181 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 2.07% ✓
• Cap rate: 18.19%
• Cash-on-cash: 42.50%
• DSCR: 2.89
• GRM: 4.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 47.9%
• Equity multiple: 3.69×
• Total profit: $37,600
• Equity at exit: $22,482

10-year hold

• IRR: 47.6%
• Equity multiple: 7.40×
• Total profit: $89,610
• Equity at exit: $34,648

Cash invested: $14,000 (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 →

ZIP-level market 39045

• Active inventory: 15
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,034 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$38 /mo · $461/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$217
• Net cashflow: $496

Break-even live

Break-even rent $407

Max offer price $50,000

Occupancy floor 47%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-14
   days on market $50,000 Active 181 DOM
2. 2026-06-10
   days on market $50,000 Active 178 DOM
3. 2026-06-09
   days on market $50,000 Active 177 DOM
4. 2026-06-08
   days on market $50,000 Active 176 DOM
5. 2026-06-07
   days on market $50,000 Active 175 DOM
6. 2026-06-03
   days on market $50,000 Active 171 DOM
7. 2026-06-02
   days on market $50,000 Active 170 DOM
8. 2026-06-01
   days on market $50,000 Active 169 DOM
9. 2026-05-31
   days on market $50,000 Active 168 DOM
10. 2026-05-30
    days on market $50,000 Active 167 DOM
11. 2025-12-27
    price $50,000 362-char remark

    Show marketing remark (362 chars)

    Welcome to this peaceful and private rural area of Madison county. This 3 bedroom/ 1 bath home sits on 1 acre of land. This fixer upper is the perfect opportunity to transform this home into your dream home, a getaway or an investment. Come see for yourself and allow your vision to come alive with this property. The home is being sold As Is via Quitclaim Deed.

12. 2025-12-14
    listed $60,000 Active 362-char remark

    Show marketing remark (362 chars)

    Welcome to this peaceful and private rural area of Madison county. This 3 bedroom/ 1 bath home sits on 1 acre of land. This fixer upper is the perfect opportunity to transform this home into your dream home, a getaway or an investment. Come see for yourself and allow your vision to come alive with this property. The home is being sold As Is via Quitclaim Deed.

13. 2007-03-01
    soldstatus
14. 1985-06-19
    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: $461 · $38/mo
• Projected year-2 tax: $461 · $38/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 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $12,413
• − Mortgage interest: −$2,801
• − Property taxes: −$461
• − Insurance: −$250
• − Repairs & maintenance: −$993
• − Management: −$993
• − Depreciation: −$1,455
• Taxable income: $5,461
• Est. tax owed @ 24.0%: −$1,311
• After-tax cash flow: $4,639/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: Madison County School District
• NCES district ID: 2802790
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 54% ▼ -7.00%
• Median HH income: $70,579
• Composite: 48.08/100
• National rank: #2188
• State rank: #3 of 130 in MS

Livability — Camden

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 1,108

Population outlook (Madison County) Hauer SSP2

• Today (2025): 122,509 people
• By 2030: 131,737 · +7.5%
• By 2040: 148,930 · +21.6%
• By 2050: 164,300 · +34.1%
• By 2075: 197,495 · +61.2%
• By 2100: 211,429 · +72.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (99%)
• Race & ethnicity: Black 99%

Political lean MEDSL · Madison

• 2024 margin: R (+17.3) · D 40.8% · R 58.0% · Other 1.2%
• 2008→2024 swing: -1.7pp toward R · 2008: -15.6pp · 2024: -17.3pp
• All cycles: 2024: R+17.3 2020: R+11.8 2016: R+16.1 2012: R+15.7 2008: R+15.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

-16.7% since first listed

4 events — show timeline

• 2025-12-27 Price Changed $50,000 MLSU
• 2025-12-14 Listed $60,000 MLSU
• 2007-03-01 Sold (Public Records) — Public Records
• 1985-06-19 Sold (Public Records) — Public Records

Property tax history

+0.0%/yr

Latest (2025): $461 · +0.0% YoY. Source: county tax records.