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2419 Avenido Del Pinar St
F Composite 31.65
Why this score? — see what drove the F 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 +13.2/30.0
  • DSCR +4.0/10.0
  • Schools +3.3/10.0
  • Livability +3.3/5.0
  • 1% rule +2.9/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$209,900

2419 Avenido Del Pinar St · Gautier, MS 39553
4 bd · 2.0 ba · 1,103 sqft · SingleFamily public records · 8 Days on market
Built 1973 0.25 ac lot Est $154k · 36% over

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Come See this 2 bedroom and 2 bathroom, brick home. Located on a corner lot, partially fenced with Shed/Storage building.

Key facts

  • Custom cabinetry
  • Remodeled
  • Hvac

Tags

REMODELEDCORNER LOTBRAND-NEW ROOFHVACREDESIGNED KITCHENCUSTOM CABINETRY

Property features AI

Exterior

  • Parking: Covered carport for 2 cars; Driveway (concrete)
  • Utilities: Public water; Public sewer; Electricity connected; Water and sewer connected
  • Home design: Single-family house; One level; Move-in ready
  • Construction: Brick veneer and siding exterior; Shingle roof; Slab foundation; Built (year per assessor)
  • Exterior features: Back yard with full fencing; Patio

Interior

  • Kitchen: Dishwasher; Microwave
  • Flooring: Ceramic tile; Laminate
  • Bathrooms: 3 full bathrooms
  • Heating & cooling: Central heating (electric); Central air (electric); Ceiling fans for cooling
  • Interior features: Ceiling fans; Kitchen island; Open floor plan; Double-pane windows
  • Laundry & utility: Dedicated laundry room; Water heater

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $210k.

Deal economics

  • At list price, monthly cash flow is $-3 ($-38/yr) — negative.
  • To cash-flow at today's rent, offer at most $209k (0.3% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (21.2% below list).
  • Recommended offer: $165k (21.2% below list) — sets the bar for 1% rule.
  • Cap rate 6.3% vs local median 4.2% in Gautier — 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 66/100 on livability (#89 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D+, schools D, employment D.
  • Pascagoula-Gautier School District (urban): math 40% / reading 38% proficiency, ranked #41 of 130 in MS (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 208 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).
  • This rent runs 35% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

  • Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
  • 3 sale attempts since 2y 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.
  • Current owner paid $71k; list at $210k implies a 196% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $165,394 (21.2% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. Built in 1973 — 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 D-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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  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
0.79%
Cap rate
6.27%
Cash-on-cash
-0.07%
DSCR
1.00
GRM
10.6

CMA / ARV

ARV (on-the-fly)
$154,420
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2612 San Lorenzo St 0.28mi 3/2.0 (-1) 1,147 (+4%) 3mo $159,999 $139 73
2306 Calle De Desoto St 0.15mi 3/2.0 (-1) 1,032 (-6%) 8mo $95,000 $92 70
2325 W Park Dr 0.35mi 3/1.0 (-1) 1,080 (-2%) 3mo $152,900 $142 69
2313 Avenido Encanto St 0.14mi 3/2.0 (-1) 1,226 (+11%) 8mo $162,000 $132 63
2307 Ladnier Rd 0.18mi 3/2.0 (-1) 960 (-13%) 4mo $135,000 $141 62
2823 Woodlane St 0.41mi 3/1.0 (-1) 1,011 (-8%) 2mo $160,900 $159 57
2205 University St 0.32mi 3/1.0 (-1) 1,247 (+13%) 1mo $100,000 $80 53
2413 Northbrook Dr 0.55mi 3/1.5 (-1) 1,023 (-7%) 4mo $152,500 $149 52
2112 Woodbury Rd 0.46mi 3/1.0 (-1) 1,214 (+10%) 6mo $119,000 $98 48
2718 Ridgeway Dr 0.47mi 3/1.0 (-1) 1,256 (+14%) 6mo $167,695 $134 41
2019 Pamela Dr 0.57mi 3/1.0 (-1) 1,248 (+13%) 6mo $175,000 $140 37
2001 S Haven Dr 0.62mi 3/1.5 (-1) 962 (-13%) 10mo $135,000 $140 34

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
-16.5%
Equity multiple
0.42×
Total profit
$-34,277
Equity at exit
$31,297
10-year hold
IRR
-8.3%
Equity multiple
0.48×
Total profit
$-30,359
Equity at exit
$18,148

Cash invested: $58,772 (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.

ZIP-level market 39553

Home prices YoY
-17.0%
Active inventory
208
Price-to-rent
10.6×

Monthly cashflow live

Estimated rent
$1,654 medium interval (Pro) →
Mortgage (P&I)
$1,101
Tax from tax record
$122 /mo · $1,459/yr
Insurance
$87
HOA
$0
Vacancy / Maint / Mgmt
$347
Net cashflow
$-3

Break-even live

Break-even rent $1,658
Max offer price $209,337
Occupancy floor 95%

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
$52,475
Closing costs
$6,297
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3254 Stonegate Cir Gautier, MS 3.0 2.0 1472 $1,700 $1.15 13d 1 0.83mi

Listing history 9 events

  1. 2026-05-30
    status $209,900 Pending 8 DOM
  2. 2026-05-21
    listed $209,900 Active
  3. 2026-02-09
    soldstatus $71,000
  4. 2026-01-13
    soldstatus Closed 121-char remark
    Show marketing remark (121 chars)

    Come See this 2 bedroom and 2 bathroom, brick home. Located on a corner lot, partially fenced with Shed/Storage building.

  5. 2025-12-29
    status Pending 121-char remark
    Show marketing remark (121 chars)

    Come See this 2 bedroom and 2 bathroom, brick home. Located on a corner lot, partially fenced with Shed/Storage building.

  6. 2025-11-14
    listed $75,000 Active 121-char remark
    Show marketing remark (121 chars)

    Come See this 2 bedroom and 2 bathroom, brick home. Located on a corner lot, partially fenced with Shed/Storage building.

  7. 2024-10-30
    historical
  8. 2024-10-05
    price $119,999
  9. 2024-08-03
    listed $125,000 Active

ⓘ 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
$1,459 · $122/mo
Projected year-2 tax
$1,658 · $138/mo
Expected delta
+$199/yr (+$17/mo · 13.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 4/10 Moderate FEMA zone X (shaded) · 22% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,847
− Mortgage interest
−$11,758
− Property taxes
−$1,459
− Insurance
−$1,050
− Repairs & maintenance
−$1,588
− Management
−$1,588
− Depreciation
−$6,106
Taxable loss
−$3,701
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$888
After-tax cash flow
$850/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
Pascagoula-Gautier School District
NCES district ID
2803480
Math proficiency
40% ▼ -3.00%
Reading proficiency
38% ▼ -4.00%
Median HH income
$41,392
Composite
32.86/100
National rank
#5613
State rank
#41 of 130 in MS

Livability — Gautier

Score
66/100
State rank
#89
US rank
#11250

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Gautier, MS
County
Jackson County · 82,196 people
City population
17,225
Metro
Gulfport-Biloxi, MS
Population (ZIP)
17,225
Household income
$57,460
Rent vs Own
28.4% rent · 71.6% own
Severe rent burden
653.0

Population outlook (Jackson County) Hauer SSP2

Today (2025)
146,926 people
By 2030
148,442 · +1.0%
By 2040
149,631 · +1.8%
By 2050
148,723 · +1.2%
By 2075
147,845 · +0.6%
By 2100
144,510 · -1.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
White 55% Black 28% Hispanic / Latino 12% Two or more races 7% Asian 1%
Hispanic origin (detail)
Mexican 3% Puerto Rican 8%
Common ancestry
Slovak 4% Lithuanian 3% Serbian 2%
Foreign-born
3% · Canada, China
Languages at home
90% English-only · Spanish 8% Chinese 0%

Political lean MEDSL · Jackson

2024 margin
Solid R (+39.9) · D 29.5% · R 69.4% · Other 1.1%
2008→2024 swing
-6.4pp toward R · 2008: -33.5pp · 2024: -39.9pp
All cycles
2024: R+39.9 2020: R+34.6 2016: R+39.9 2012: R+36.1 2008: R+33.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -42.77%
Current HPI
209.1746
Rent YoY
Metro
Gulfport-Biloxi, MS
State GDP YoY
F500 in state
0

Price history

+67.9% since first listed
8 events — show timeline
  • 2026-05-21 Listed $209,900 MLSU
  • 2026-02-09 Sold (Public Records) $71,000 Public Records
  • 2026-01-13 Sold (MLS) MLSU
  • 2025-12-29 Pending MLSU
  • 2025-11-14 Listed $75,000 MLSU
  • 2024-10-30 Listing Removed MLSU
  • 2024-10-05 Price Changed $119,999 MLSU
  • 2024-08-03 Listed $125,000 MLSU

Property tax history

+16.3%/yr

Latest (2025): $1,459 · +16.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…