436 Claiborne Ave · Jackson, MS 39209

$45,000

3 bd · 2.0 ba · 1,532 sqft · SingleFamily public records · 188 Days on market

Built 1938 9,583 sqft lot $29/sqft · 6% above area Est $43k · 6% over

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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 +4.9/15.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0

Listing remarks MLS

3-bed, 2-bath home with strong investment potential. Functional layout, good lot, needs cosmetic updates. Ideal for rental or flip.

Key facts

• 9,583 sq ft lot
• Built 1938
• Listed 188 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $841 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $45k).
• Recommended offer: $40k (12.0% below list) — sets the bar for market timing.
• Cap rate 28.7% 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: schools F, amenities F, employment 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.
• Market conditions: 165 active listings in the ZIP; 8 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 $5k of equity ($311 loan paydown + $4k 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 + 3.0% rent growth), your $13k cash investment doubles in ~1 year — after that, you're playing with house money.
• By year 7, 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 188 days — a 12% lower offer ($40k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.
• Current owner paid $35k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1938 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $39,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 188 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1938 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 3.22% ✓
• Cap rate: 28.72%
• Cash-on-cash: 80.09%
• DSCR: 4.56
• GRM: 2.6

CMA / ARV

• ARV (median comp): $42,529
• List price: $45,000
• Delta: 5.81%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
403 Marcus L Butler Dr	0.06mi	3/2.0	1,494 (-2%)	24mo	$65,900	$44	73
3125 Jayne Ave	0.25mi	4/2.0 (+1)	1,443 (-6%)	1mo	$52,500	$36	72
3327 Casa Grande Cir	0.55mi	3/1.5	1,384 (-10%)	6mo	$68,080	$49	51
639 Brandon Ave	0.23mi	3/1.0	1,391 (-9%)	23mo	$5,000	$4	51
926 Claiborne Ave	0.53mi	3/2.0	1,326 (-13%)	6mo	$90,000	$68	48
3328 Santa Rosa St	0.57mi	3/2.0	1,700 (+11%)	13mo	$85,000	$50	45
1836 First Ave	0.50mi	3/2.0	1,713 (+12%)	15mo	$32,000	$19	44
957 Alta Vista Blvd	0.75mi	3/2.5	1,472 (-4%)	17mo	$30,450	$21	43
136 Princeton St	0.74mi	3/1.0	1,496 (-2%)	18mo	$50,000	$33	43

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 90.0%
• Equity multiple: 7.20×
• Total profit: $78,085
• Equity at exit: $40,540

10-year hold

• IRR: 84.8%
• Equity multiple: 15.91×
• Total profit: $187,861
• Equity at exit: $87,425

Cash invested: $12,600 (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 39209

• Home prices YoY: 7.7%
• Active inventory: 165
• Price-to-rent: 2.6×

Monthly cashflow live

• Estimated rent: $1,448 high
• Mortgage (P&I): −$236
• Tax from tax record: −$48 /mo · $578/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $841

Break-even live

Break-even rent $383

Max offer price $45,000

Occupancy floor 37%

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
309 S Denver St Jackson, MS	4.0	3.5	1500	$2,500	$1.67	43d	1	0.59mi
137 Sivley Ave Jackson, MS	3.0	1.0	1288	$1,000	$0.78	21d	1	0.88mi
2157 Ludlow Ave Unit Na Jackson, MS	3.0	2.0	1123	$1,450	$1.29	13d	1	1.14mi
2157 Ludlow Ave Jackson, MS	3.0	2.0	1123	$1,300	$1.16	43d	1	1.14mi
264 Sewanee Dr Jackson, MS	3.0	1.0	1217	$995	$0.82	23d	1	1.17mi
4539 Ritchey Dr Jackson, MS	3.0	2.0	1144	$1,250	$1.09	43d	1	1.29mi
2829 Comfort St Jackson, MS	3.0	1.5	1260	$1,250	$0.99	23d	1	1.34mi
2829 Comfort St Jackson, MS	3.0	2.0	1260	$1,250	$0.99	13d	1	1.34mi

Listing history 21 events

1. 2026-06-18
   days on market $45,000 Active 188 DOM
2. 2026-06-17
   days on market $45,000 Active 187 DOM
3. 2026-06-16
   days on market $45,000 Active 186 DOM
4. 2026-06-15
   days on market $45,000 Active 185 DOM
5. 2026-06-14
   days on market $45,000 Active 183 DOM
6. 2026-06-13
   days on market $45,000 Active 182 DOM
7. 2026-06-10
   days on market $45,000 Active 180 DOM
8. 2026-06-09
   days on market $45,000 Active 179 DOM
9. 2026-06-08
   days on market $45,000 Active 178 DOM
10. 2026-06-07
    days on market $45,000 Active 177 DOM
11. 2026-06-05
    days on market $45,000 Active 174 DOM
12. 2026-06-03
    days on market $45,000 Active 173 DOM
13. 2026-06-02
    days on market $45,000 Active 172 DOM
14. 2026-06-01
    days on market $45,000 Active 171 DOM
15. 2026-05-31
    days on market $45,000 Active 170 DOM
16. 2026-05-30
    days on market $45,000 Active 169 DOM
17. 2026-04-22
    status Active 131-char remark

    Show marketing remark (131 chars)

    3-bed, 2-bath home with strong investment potential. Functional layout, good lot, needs cosmetic updates. Ideal for rental or flip.

18. 2025-12-03
    status Pending 131-char remark

    Show marketing remark (131 chars)

    3-bed, 2-bath home with strong investment potential. Functional layout, good lot, needs cosmetic updates. Ideal for rental or flip.

19. 2025-07-24
    listed $45,000 Active 131-char remark

    Show marketing remark (131 chars)

    3-bed, 2-bath home with strong investment potential. Functional layout, good lot, needs cosmetic updates. Ideal for rental or flip.

20. 2000-01-10
    soldstatus
21. 1982-04-21
    soldstatus $35,000

ⓘ 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: $578 · $48/mo
• Projected year-2 tax: $578 · $48/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 7 d/yr ≥108°F today · 18 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: $17,374
• − Mortgage interest: −$2,521
• − Property taxes: −$578
• − Insurance: −$225
• − Repairs & maintenance: −$1,390
• − Management: −$1,390
• − Depreciation: −$1,309
• Taxable income: $9,962
• Est. tax owed @ 24.0%: −$2,391
• After-tax cash flow: $7,700/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): 25,776
• Household income: $36,344
• Rent vs Own: 52.3% rent · 47.7% own
• Severe rent burden: 1627.0

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 7% Two or more races 2% Hispanic / Latino 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% 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: ▲ 22.28%
• Current HPI: 312.6754
• Rent YoY: —
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+28.6% since first listed

5 events — show timeline

• 2026-04-22 Relisted — MLSU
• 2025-12-03 Pending — MLSU
• 2025-07-24 Listed $45,000 MLSU
• 2000-01-10 Sold (Public Records) — Public Records
• 1982-04-21 Sold (Public Records) $35,000 Public Records

Property tax history

+1.4%/yr

Latest (2025): $578 · +4.4% YoY. Source: county tax records.