2531 Bryn Mawr Ave · Biloxi, MS 39531

$95,000

3 bd · 2.0 ba · 1,442 sqft · SingleFamily public records · 31 Days on market

Built 1948 6,098 sqft lot $66/sqft · 65% below area ↓ 24% 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
• Schools +4.5/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

Key facts

• 6,098 sq ft lot
• Parking
• Built 1948

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $655 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.
• Cap rate 14.6% vs local median 3.5% 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.
• Market conditions: Rents flat; 201 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% 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 37% 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 $657 of loan paydown is wiped out by about $3k 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 $27k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; 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 $92,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 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 1948 — 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: 1.75% ✓
• Cap rate: 14.57%
• Cash-on-cash: 29.56%
• DSCR: 2.32
• GRM: 4.8

CMA / ARV

• ARV (median comp): $269,896
• List price: $95,000
• Delta: -64.80%
• 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
2531 Bryn Mawr Ave	0.00mi	3/2.0	1,442 (0%)	0mo	$95,000	$66	100
160 Balmoral Ave	0.09mi	3/2.0	1,534 (+6%)	9mo	$249,000	$162	78
174 Briarfield Ave	0.25mi	3/2.0	1,346 (-7%)	9mo	$238,000	$177	70
173 Pine Grove Ave	0.28mi	3/2.0	1,566 (+9%)	5mo	$175,000	$112	69
238 Perdido Cv	0.21mi	3/2.0	1,619 (+12%)	6mo	$295,000	$182	64
180 Briarfield Ave	0.25mi	3/2.0	1,278 (-11%)	7mo	$219,000	$171	64
2558 Rue Palafox	0.27mi	3/2.0	1,616 (+12%)	5mo	$265,000	$164	63
2548 Bryn Mawr Ave	0.08mi	4/3.0 (+1)	1,600 (+11%)	9mo	$225,000	$141	61
137 Grande View Dr	0.20mi	3/2.0	1,653 (+15%)	7mo	$420,000	$254	61
127 Grande View Dr	0.24mi	2/2.0 (-1)	1,644 (+14%)	1mo	$417,900	$254	60
176 Briarfield Ave	0.25mi	2/2.0 (-1)	1,250 (-13%)	9mo	$190,000	$152	53
2516 Orleans Rd	0.65mi	4/1.5 (+1)	1,600 (+11%)	6mo	$139,000	$87	39

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: 20.7%
• Equity multiple: 1.81×
• Total profit: $21,574
• Equity at exit: $14,165

10-year hold

• IRR: 26.8%
• Equity multiple: 3.03×
• Total profit: $54,104
• Equity at exit: $8,214

Cash invested: $26,600 (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 39531

• Home prices YoY: -13.0%
• Rents YoY: 0.1%
• Active inventory: 201
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,660 high
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$349
• Net cashflow: $655

Break-even live

Break-even rent $831

Max offer price $95,000

Occupancy floor 56%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
151 Grande View Dr Biloxi, MS	1.0–3.0	1.0–2.0	1268	$1,889	$1.49	13d	23	0.06mi
169 Briarfield Ave Biloxi, MS	2.0	1.0	1000	$950	$0.95	43d	1	0.20mi
258 Stennis Dr Biloxi, MS	2.0	1.0–2.0	1040	$1,245	$1.20	13d	1	0.26mi
258 Stennis Dr Biloxi, MS	2.0	1.0	930	$1,100	$1.18	43d	1	0.26mi
2589 Santa Rosa Cv Biloxi, MS	3.0	2.0	1787	$2,500	$1.40	43d	1	0.27mi
2589 Santa Rosa Cv Biloxi, MS	3.0	2.0	1787	$2,500	$1.40	21d	1	0.27mi
133 Briarfield Ave Biloxi, MS	1.0–2.0	1.0–2.0	800	$1,390	$1.74	13d	1	0.29mi
141 Pine Grove Ave Biloxi, MS	2.0	1.0	1000	$1,300	$1.30	21d	1	0.31mi
141 Pine Grove Ave Biloxi, MS	2.0	1.0	1000	$1,300	$1.30	13d	1	0.31mi
126 Briarfield Ave Biloxi, MS	2.0	2.0	1000	$1,495	$1.50	43d	1	0.35mi
126 Briarfield Ave Unit B11 Biloxi, MS	2.0	2.0	1000	$1,390	$1.39	13d	1	0.35mi
126 Briarfield Ave Unit B11 Biloxi, MS	2.0	2.0	1000	$1,390	$1.39	43d	1	0.35mi
126 Briarfield Ave Unit B2 Biloxi, MS	2.0	2.0	997	$1,410	$1.41	43d	1	0.35mi
126 Briarfield Ave Unit B5 Biloxi, MS	2.0	2.0	997	$1,400	$1.40	43d	1	0.35mi
2436 Beach Blvd Biloxi, MS	3.0	2.0	1260	$975	$0.77	44d	1	0.40mi
2620 Lejuene Dr Biloxi, MS	1.0–3.0	1.0–2.0	914	$1,575	$1.72	13d	9	0.44mi
2668 Beach Blvd Biloxi, MS	3.0	3.0	1813	$2,900	$1.60	13d	1	0.74mi
2668 Beach Blvd Biloxi, MS	2.0	2.0	1392	$2,300	$1.65	43d	1	0.74mi
190 Gateway Dr Biloxi, MS	1.0–2.0	1.0–2.0	878	$1,240	$1.41	13d	6	0.75mi
248 Debuys Rd Biloxi, MS	1.0–2.0	1.0–2.0	979	$1,300	$1.33	13d	11	0.81mi
2508 Shady Ln Biloxi, MS	3.0	2.0	1431	$2,100	$1.47	43d	1	0.89mi
2387 Trafalgar Dr Biloxi, MS	3.0	2.0	1375	$1,700	$1.24	21d	1	0.92mi
390 Bertucci Blvd Biloxi, MS	3.0	2.0	1358	$1,800	$1.33	43d	1	1.15mi
2386 Merlin Cv Biloxi, MS	3.0	2.0	1500	$1,600	$1.07	13d	1	1.15mi
2252 Beach Dr Gulfport, MS	3.0	2.0	1691	$2,800	$1.66	43d	1	1.15mi
2230 Beach Dr Gulfport, MS	3.0	3.0	1852	$3,195	$1.73	43d	1	1.18mi
2228 Beach Dr #506 Gulfport, MS	2.0	2.0	1164	$2,995	$2.57	43d	1	1.19mi
2228 Beach Dr Gulfport, MS	2.0	2.0	1279	$2,895	$2.26	21d	1	1.19mi
2795 Eula Rd Biloxi, MS	3.0	2.5	1550	$1,800	$1.16	13d	1	1.22mi
2611 Heidi LN Biloxi, MS	3.0	2.5	1550	$1,775	$1.15	21d	1	1.24mi
910 Jefferson Dr Gulfport, MS	3.0	2.5	1613	$1,675	$1.04	43d	1	1.27mi
936 Jefferson Dr Gulfport, MS	2.0	1.5	1290	$1,375	$1.07	21d	1	1.27mi
938 Jefferson Dr Gulfport, MS	2.0	1.5	1290	$1,375	$1.07	21d	1	1.27mi
918 Jefferson Dr Gulfport, MS	2.0	1.5	1301	$1,375	$1.06	43d	1	1.27mi
928 Jefferson Dr Gulfport, MS	2.0	1.5	1301	$1,375	$1.06	43d	1	1.27mi
924 Jefferson Dr Gulfport, MS	3.0	2.5	1613	$1,675	$1.04	43d	1	1.27mi
894 Jefferson Dr Gulfport, MS	3.0	2.5	1541	$1,675	$1.09	43d	1	1.27mi
2255 Switzer Rd Gulfport, MS	1.0–3.0	1.0–2.0	1072	$1,500	$1.40	13d	12	1.32mi
310 Abbey Ct Biloxi, MS	2.0–3.0	1.0–2.0	1062	$1,275	$1.20	21d	17	1.32mi
2610 Demaret Dr Gulfport, MS	4.0	1.5	1700	$1,995	$1.17	43d	1	1.35mi

Listing history 5 events

1. 2026-05-13
   status Pending 339-char remark

   Show marketing remark (339 chars)

   Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

2. 2026-04-30
   status Active 339-char remark

   Show marketing remark (339 chars)

   Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

3. 2026-04-20
   status Pending 339-char remark

   Show marketing remark (339 chars)

   Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

4. 2026-04-18
   price $95,000 339-char remark

   Show marketing remark (339 chars)

   Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

5. 2026-04-01
   listed $125,000 Active 339-char remark

   Show marketing remark (339 chars)

   Location, Location, Location!!! Nice neighborhood close to the mall and beach!!! This house is a cash only ''as is'' sale. Great for investors!!! Visual evidence of termite damage and possible foundation shifting. Home is in conservatorship and order to sell has been executed. Bring cash only offers, no repairs will be made to sell.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (shaded) · 70% 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: $19,925
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$475
• − Repairs & maintenance: −$1,594
• − Management: −$1,594
• − Depreciation: −$2,764
• Taxable income: $6,752
• Est. tax owed @ 24.0%: −$1,620
• After-tax cash flow: $6,242/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: 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

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 · 178,171 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: 1110.0

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%

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%

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

Price history

-24.0% since first listed

5 events — show timeline

• 2026-05-13 Pending — MLSU
• 2026-04-30 Relisted — MLSU
• 2026-04-20 Pending — MLSU
• 2026-04-18 Price Changed $95,000 MLSU
• 2026-04-01 Listed $125,000 MLSU