7676 Bramble Ln · Lynchburg, MS 38680

$215,000

3 bd · 2.5 ba · 1,127 sqft · SingleFamily public records · 14 Days on market

Built 2000 10,454 sqft lot $191/sqft · 25% above area Est $283k · 24% under

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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 +18.2/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +5.7/10.0
• Schools +4.0/10.0
• 1% rule +3.9/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This is the perfect family Home that is priced to sell! This home has been repainted inside and out. It has new light fixtures and ceiling fans. The roof is only 4 years and outside AC unit for the upstairs is brand new. It is a split bedroom plan with the master downstairs and 3 additional bedrooms. The 4th bedroom can also be a gameroom.

Key facts

• Vaulted living room
• Cozy fireplace
• Fenced lot

Tags

• FENCED LOT
• MATURE TREES
• VAULTED LIVING ROOM
• COZY FIREPLACE
• ABUNDANT CABINET STORAGE
• GENEROUS COUNTER SPACE

Property features AI

Finance

• HOA & community: Sidewalks; Street lights

Exterior

• Parking: Attached garage (2 spaces); Driveway; Garage faces front; Concrete driveway
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family house; Two levels; Brick construction; Slab foundation; Architectural shingle roof
• Construction: Brick exterior; Slab foundation; Architectural shingle roof
• Exterior features: Private yard; Patio; Rain gutters; Fenced yard (privacy/partial, wood)

Interior

• Kitchen: Dishwasher; Electric cooktop; Free-standing electric oven; Vented exhaust fan
• Bedrooms: Primary bedroom located on the main level
• Flooring: Carpet; Laminate; Simulated wood; Tile; Combination of flooring types
• Bathrooms: 2 full bathrooms; 1 half bathroom (total 3 bathrooms)
• Heating & cooling: Central heating (natural gas); Fireplace heating; Other heating source; Central air; Ceiling fans; Multiple cooling units
• Interior features: Open floorplan; Eat-in kitchen; Primary bedroom downstairs; Recessed lighting; Walk-in closet(s); Shutters on windows; Deadbolt locks; Fireplace in great room
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $194 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (11.5% below list).
• Recommended offer: $190k (11.5% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 3.9% in Lynchburg — 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 63/100 on livability (#145 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.
• Desoto County School District (suburban): math 48% / reading 42% proficiency, ranked #20 of 130 in MS (top 15%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Walls Elementary School (math 24% / reading 26%, grade F, #217 of 375 statewide, top 58%, 718 students, 100% FRL); Lake Cormorant Middle (math 51% / reading 30%, grade F, #60 of 179 statewide, top 37%, 764 students, 100% FRL); Lake Cormorant High (math 29% / reading 42%, grade F, #66 of 197 statewide, top 34%, 969 students, 100% FRL) — zoned schools average 100% FRL vs 43% district-wide (56 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 52 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 1,155 units permitted in DeSoto County in 2024 (0 in 5+ unit buildings).
• This rent runs 38% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $23k of equity ($1k loan paydown + $22k appreciation (10.0% local appreciation)).
• DeSoto County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $60k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 23y 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: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,369 (11.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.89% ✗
• Cap rate: 7.38%
• Cash-on-cash: 3.87%
• DSCR: 1.17
• GRM: 9.4

CMA / ARV

• ARV (median comp): $282,864
• List price: $215,000
• Delta: -23.99%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.1%
• Equity multiple: 3.15×
• Total profit: $129,388
• Equity at exit: $193,689

10-year hold

• IRR: 23.7%
• Equity multiple: 7.17×
• Total profit: $371,138
• Equity at exit: $417,698

Cash invested: $60,200 (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 38680

• Home prices YoY: 4.6%
• Active inventory: 52
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,904 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$93 /mo · $1,111/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$400
• Net cashflow: $194

Break-even live

Break-even rent $1,658

Max offer price $215,000

Occupancy floor 85%

Sensitivity live

Price	-10% $316	-5% $255	+0% $194	+5% $133	+10% $73
Rent	-10% $44	-5% $119	+0% $194	+5% $269	+10% $345
Rate	-1.0pp $303	-0.5pp $249	base $194	+0.5pp $139	+1.0pp $82

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6916 Fox Briar Cv Walls, MS	3.0	2.0	1350	$1,600	$1.19	6d	1	0.31mi
6915 Black Thorn Dr Walls, MS	4.0	2.0	1382	$1,655	$1.20	6d	1	0.41mi
6757 River Birch Rd Walls, MS	3.0	2.0	1331	$1,720	$1.29	13d	1	0.52mi
6205 Liberty Estates Dr Walls, MS	3.0	2.0	1357	$1,555	$1.15	6d	1	0.80mi
5968 Shannon Dr Horn Lake, MS	3.0	2.0	1374	$1,650	$1.20	22d	1	1.02mi
5859 Shannon Dr Horn Lake, MS	3.0	2.0	1139	$1,523	$1.34	45d	1	1.13mi
5565 Chapel Hill Dr Horn Lake, MS	3.0	2.0	1114	$1,543	$1.39	3d	1	1.41mi

Listing history 8 events

1. 2026-05-15
   status Pending 992-char remark
2. 2026-05-01
   listed $215,000 Active 992-char remark
3. 2015-10-02
   soldstatus
4. 2015-09-30
   soldstatus 341-char remark

   Show marketing remark (341 chars)

   This is the perfect family Home that is priced to sell! This home has been repainted inside and out. It has new light fixtures and ceiling fans. The roof is only 4 years and outside AC unit for the upstairs is brand new. It is a split bedroom plan with the master downstairs and 3 additional bedrooms. The 4th bedroom can also be a gameroom.

5. 2015-07-12
   listed $147,900 341-char remark

   Show marketing remark (341 chars)

   This is the perfect family Home that is priced to sell! This home has been repainted inside and out. It has new light fixtures and ceiling fans. The roof is only 4 years and outside AC unit for the upstairs is brand new. It is a split bedroom plan with the master downstairs and 3 additional bedrooms. The 4th bedroom can also be a gameroom.

6. 2003-07-11
   soldstatus
7. 2003-06-30
   soldstatus
8. 2003-03-14
   listed $114,300

ⓘ 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: $1,111 · $93/mo
• Projected year-2 tax: $1,699 · $142/mo
• Expected delta: +$587/yr (+$49/mo · 52.9%)

ⓘ 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 6/10 Major 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,844
• − Mortgage interest: −$12,043
• − Property taxes: −$1,111
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,828
• − Management: −$1,828
• − Depreciation: −$6,255
• Taxable loss: −$1,295
• Est. tax savings @ 24.0%: +$311
• After-tax cash flow: $2,642/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: Desoto County School District
• NCES district ID: 2801320
• Math proficiency: 48% ▼ -13.00%
• Reading proficiency: 42% ▼ -6.00%
• Median HH income: $59,272
• Composite: 39.56/100
• National rank: #3933
• State rank: #20 of 130 in MS

Livability — Lynchburg

• Score: 63/100
• State rank: #145
• US rank: #14967

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: Lynchburg, MS
• County: DeSoto County · 176,513 people
• Metro: Memphis, TN-MS-AR
• Population (ZIP): 6,839
• Household income: $59,503
• Rent vs Own: 31.4% rent · 68.6% own
• Severe rent burden: 229.0

Population outlook (DeSoto County) Hauer SSP2

• Today (2025): 203,338 people
• By 2030: 217,692 · +7.1%
• By 2040: 245,320 · +20.6%
• By 2050: 270,133 · +32.8%
• By 2075: 323,341 · +59.0%
• By 2100: 348,742 · +71.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Black 46% White 42% Hispanic / Latino 8% Two or more races 3% Native American 1% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Romanian 1% Serbian 1% British 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · DeSoto

• 2024 margin: Strong R (+24.1) · D 36.7% · R 60.8% · Other 2.5%
• 2008→2024 swing: +14.2pp toward D · 2008: -38.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+23.9 2016: R+34.8 2012: R+33.5 2008: R+38.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 10.29%
• Current HPI: 232.28
• Rent YoY: —
• Metro: Memphis, TN-MS-AR
• State GDP YoY: —
• F500 in state: 0

Price history

+88.1% since first listed

9 events — show timeline

• 2026-06-11 Sold (MLS) — MLSU
• 2026-05-15 Pending — MLSU
• 2026-05-01 Listed $215,000 MLSU
• 2015-10-02 Sold (Public Records) — Public Records
• 2015-09-30 Sold (MLS) — MLSU
• 2015-07-12 Listed $147,900 MLSU
• 2003-07-11 Sold (Public Records) — Public Records
• 2003-06-30 Sold (MLS) — MLSU
• 2003-03-14 Listed $114,300 MLSU

Property tax history

+2.2%/yr

Latest (2025): $1,111 · +15.6% YoY. Source: county tax records.