1439 Gibralter Dr · Jackson, MS 39204

$69,900

3 bd · 1.0 ba · 1,055 sqft · SingleFamily public records · 34 Days on market

Built 1956 0.25 ac lot $66/sqft · 52% above area

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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
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0

Listing remarks MLS

Family room, dining, 3br/1ba, and large den. Owner occupants can purchase this home with little as $100 down payment. This is for owner occupants purchasing a HUD Home with FHA financing. SOLD AS IS WHERE IS WITH NO DISCLSOURES. CASE # 281-334908. FHA Financing. Listed As UI(UNINSURED)203K Eligible:Yes. EHO Language: Equal Housing Opportunity. Estimated taxes from Hinds county.

Key facts

• Separate den
• Bright living room
• Renovated ranch

Tags

• RENOVATED RANCH
• SPRAWLING LOT
• BRIGHT LIVING ROOM
• SEPARATE DEN
• UPDATED KITCHEN
• GRANITE COUNTERTOPS

Property features AI

Finance

• HOA & community: Community features include curbs, street lights, and proximity to entertainment

Exterior

• Parking: Carport (1 covered space), 2 total parking spaces
• Security: Dead bolt locks; Smoke detector(s)
• Utilities: Public water; Public sewer; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Single-family house; One story; Slab foundation
• Construction: Brick veneer, masonry, and siding construction; Asphalt shingle roof; Built (year per public records)
• Exterior features: Front porch; Patio (slab); Private backyard; Back yard chain link fencing; Exterior lighting; Rain gutters; Curbs; Street lights; Near entertainment

Interior

• Kitchen: Dishwasher; Refrigerator; Granite counters; Eat-in kitchen
• Bedrooms: Primary bedroom on main level (12x14); Bedroom on main level (10x12); Bedroom on main level (10x10)
• Flooring: Ceramic tile; Hardwood; Vinyl; Combination flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (forced air, natural gas); Central air; Ceiling fans
• Interior features: Ceiling fans; Eat-in kitchen; High-speed internet available; Storage space; Granite countertops; Dead bolt locks and security door features; Smoke detector(s)
• Laundry & utility: Washer hookup on main level; Electric dryer hookup inside

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

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 $70k).
• Recommended offer: $68k (3.0% below list) — sets the bar for market timing.
• Cap rate 14.8% vs local median 9.9% in Jackson — 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 (#66 in MS) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F, health & safety F.
• Jackson Public School District (urban): math 9% / reading 18% proficiency, ranked #112 of 130 in MS (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Wilkins Elementary School (math 2% / reading 12%, grade F, #337 of 375 statewide, top 94%, 316 students, 100% FRL); Blackburn Middle School (math 9% / reading 11%, grade F, #152 of 179 statewide, top 88%, 614 students, 100% FRL); Wingfield High School (math 7% / reading 12%, grade F, #179 of 197 statewide, top 92%, 608 students, 100% FRL).
• Market conditions: Rents rising fast (+13.6%/yr); 121 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 167 units permitted in Hinds County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($483 loan paydown + $7k appreciation (10.0% local appreciation)).
• Hinds County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 8.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 24y 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

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,803 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 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 1956 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.77% ✓
• Cap rate: 14.81%
• Cash-on-cash: 30.42%
• DSCR: 2.35
• GRM: 4.7

CMA / ARV

• ARV (median comp): $45,968
• List price: $69,900
• Delta: 52.06%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1725 Camellia Ln	0.25mi	3/1.5	1,134 (+8%)	3mo	$40,000	$35	71
1723 Casteel Dr	0.27mi	3/1.0	1,161 (+10%)	7mo	$55,000	$47	65
1918 Elaine St	0.59mi	3/1.5	1,092 (+4%)	8mo	$85,000	$78	58
1904 Willaneel Dr	0.62mi	2/1.0 (-1)	1,091 (+3%)	6mo	$15,000	$14	55
27 Wisteria Ct	0.63mi	3/2.0	1,066 (+1%)	12mo	$59,000	$55	55
1906 Shamrock Dr	0.64mi	3/1.5	1,156 (+10%)	5mo	$59,000	$51	48

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

Projected returns pro-forma

10.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 50.5%
• Equity multiple: 4.89×
• Total profit: $76,210
• Equity at exit: $62,971

10-year hold

• IRR: 46.3%
• Equity multiple: 12.02×
• Total profit: $215,768
• Equity at exit: $135,800

Cash invested: $19,572 (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 39204

• Home prices YoY: 8.0%
• Rents YoY: 13.6%
• Active inventory: 121
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,234 high
• Mortgage (P&I): −$367
• Tax from tax record: −$83 /mo · $1,000/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$259
• Net cashflow: $496

Break-even live

Break-even rent $606

Max offer price $69,900

Occupancy floor 55%

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1645 Camellia Ln Jackson, MS	3.0	2.0	1268	$1,200	$0.95	13d	1	0.19mi
2242 Castle Hill Dr Jackson, MS	4.0	2.0	1500	$1,475	$0.98	23d	1	1.12mi
2242 Castle Hill Dr Jackson, MS	4.0	2.0	1500	$1,475	$0.98	13d	1	1.12mi
2401 Coronet Pl Jackson, MS	3.0	1.0	1200	$1,400	$1.17	23d	1	1.24mi
1805 Hospital Dr Jackson, MS	3.0	2.0	1335	$1,050	$0.79	13d	1	1.40mi
843 Reaves St Jackson, MS	3.0	2.0	1408	$1,084	$0.77	43d	1	1.41mi
1711 Robinson St Jackson, MS	2.0	1.0	800	$800	$1.00	23d	1	1.46mi
4567 Meadowmont Dr Jackson, MS	3.0	1.0	912	$800	$0.88	43d	1	1.46mi
1513 Maria Dr Jackson, MS	3.0	2.0	1120	$1,200	$1.07	23d	1	1.47mi
1513 Maria Dr Jackson, MS	3.0	2.0	1120	$1,200	$1.07	13d	1	1.47mi

Listing history 32 events

1. 2026-06-18
   days on market $69,900 Active 34 DOM
2. 2026-06-17
   days on market $69,900 Active 33 DOM
3. 2026-06-16
   days on market $69,900 Active 32 DOM
4. 2026-06-15
   days on market $69,900 Active 31 DOM
5. 2026-06-14
   days on market $69,900 Active 29 DOM
6. 2026-06-13
   days on market $69,900 Active 28 DOM
7. 2026-06-10
   days on market $69,900 Active 26 DOM
8. 2026-06-09
   days on market $69,900 Active 25 DOM
9. 2026-06-08
   days on market $69,900 Active 24 DOM
10. 2026-06-07
    days on market $69,900 Active 23 DOM
11. 2026-06-05
    days on market $69,900 Active 20 DOM
12. 2026-06-03
    days on market $69,900 Active 19 DOM
13. 2026-06-02
    days on market $69,900 Active 18 DOM
14. 2026-06-01
    days on market $69,900 Active 17 DOM
15. 2026-05-31
    days on market $69,900 Active 16 DOM
16. 2026-05-30
    days on market $69,900 Active 15 DOM
17. 2026-05-15
    listed $69,900 Active 480-char remark
18. 2021-10-02
    historical
19. 2014-08-08
    soldstatus

    Show marketing remark (380 chars)

    Family room, dining, 3br/1ba, and large den. Owner occupants can purchase this home with little as $100 down payment. This is for owner occupants purchasing a HUD Home with FHA financing. SOLD AS IS WHERE IS WITH NO DISCLSOURES. CASE # 281-334908. FHA Financing. Listed As UI(UNINSURED)203K Eligible:Yes. EHO Language: Equal Housing Opportunity. Estimated taxes from Hinds county.

20. 2014-08-08
    soldstatus

    Show marketing remark (380 chars)

    Family room, dining, 3br/1ba, and large den. Owner occupants can purchase this home with little as $100 down payment. This is for owner occupants purchasing a HUD Home with FHA financing. SOLD AS IS WHERE IS WITH NO DISCLSOURES. CASE # 281-334908. FHA Financing. Listed As UI(UNINSURED)203K Eligible:Yes. EHO Language: Equal Housing Opportunity. Estimated taxes from Hinds county.

21. 2014-06-23
    listed $10,800

    Show marketing remark (380 chars)

    Family room, dining, 3br/1ba, and large den. Owner occupants can purchase this home with little as $100 down payment. This is for owner occupants purchasing a HUD Home with FHA financing. SOLD AS IS WHERE IS WITH NO DISCLSOURES. CASE # 281-334908. FHA Financing. Listed As UI(UNINSURED)203K Eligible:Yes. EHO Language: Equal Housing Opportunity. Estimated taxes from Hinds county.

22. 2012-04-24
    soldstatus
23. 2011-09-16
    listed $10,400
24. 2008-03-25
    soldstatus
25. 2008-03-24
    soldstatus
26. 2007-05-21
    soldstatus
27. 2007-05-08
    listed $78,000
28. 2002-06-03
    soldstatus
29. 2002-05-24
    soldstatus
30. 2002-04-02
    listed $28,400
31. 1998-01-20
    soldstatus
32. 1996-08-19
    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: $1,000 · $83/mo
• Projected year-2 tax: $1,000 · $83/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 1/10 Low
• 🌡 Heat 7/10 Severe 6 d/yr ≥108°F today · 17 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: $14,812
• − Mortgage interest: −$3,915
• − Property taxes: −$1,000
• − Insurance: −$350
• − Repairs & maintenance: −$1,185
• − Management: −$1,185
• − Depreciation: −$2,033
• Taxable income: $5,144
• Est. tax owed @ 24.0%: −$1,235
• After-tax cash flow: $4,719/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: Jackson Public School District
• NCES district ID: 2802190
• Math proficiency: 9% ▼ -14.00%
• Reading proficiency: 18% ▼ -7.00%
• Median HH income: $33,234
• Composite: 10.89/100
• National rank: #9755
• State rank: #112 of 130 in MS

Livability — Jackson

• Score: 68/100
• State rank: #66
• US rank: #9695

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jackson, MS
• County: Hinds County · 167,040 people
• City population: 140,204
• Metro: Jackson, MS
• Population (ZIP): 13,249
• Household income: $30,237
• Rent vs Own: 66.3% rent · 33.7% own
• Severe rent burden: 1099.0

Population outlook (Hinds County) Hauer SSP2

• Today (2025): 242,528 people
• By 2030: 241,113 · -0.6%
• By 2040: 235,557 · -2.9%
• By 2050: 226,946 · -6.4%
• By 2075: 199,995 · -17.5%
• By 2100: 164,165 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (90%)
• Race & ethnicity: Black 90% White 5% Two or more races 4% Hispanic / Latino 3%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Hinds

• 2024 margin: Solid D (+46.1) · D 72.4% · R 26.3% · Other 1.4%
• 2008→2024 swing: +7.1pp toward D · 2008: 39.0pp · 2024: 46.1pp
• All cycles: 2024: D+46.1 2020: D+48.3 2016: D+43.7 2012: D+45.1 2008: D+39.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 17.25%
• Current HPI: 233.9061
• Rent YoY: ▲ 13.56%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+146.1% since first listed

16 events — show timeline

• 2026-05-15 Listed $69,900 MLSU
• 2021-10-02 Listing Removed — MLSU
• 2014-08-08 Sold (Public Records) — Public Records
• 2014-08-08 Sold (MLS) — MLSU
• 2014-06-23 Listed $10,800 MLSU
• 2012-04-24 Sold (Public Records) — Public Records
• 2011-09-16 Listed $10,400 MLSU
• 2008-03-25 Sold (MLS) — MLSU
• 2008-03-24 Sold (Public Records) — Public Records
• 2007-05-21 Sold (Public Records) — Public Records
• 2007-05-08 Listed $78,000 MLSU
• 2002-06-03 Sold (Public Records) — Public Records
• 2002-05-24 Sold (MLS) — MLSU
• 2002-04-02 Listed $28,400 MLSU
• 1998-01-20 Sold (Public Records) — Public Records
• 1996-08-19 Sold (Public Records) — Public Records

Property tax history

+1.2%/yr

Latest (2025): $1,000 · +1.1% YoY. Source: county tax records.