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3579 Sabra Ln
D+ Composite 46.27
Why this score? — see what drove the D+ 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 +12.5/30.0
  • ARV discount +11.9/15.0
  • Schools +5.0/10.0
  • Condition / age +4.0/5.0
  • DSCR +3.7/10.0
  • 1% rule +3.4/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Appreciation +0.0/10.0

$305,000

3579 Sabra Ln · Southaven, MS 38672
4 bd · 2.0 ba · 1,659 sqft · SingleFamily public records · 86 Days on market
Built 2019 Good condition 7,405 sqft lot 2-car garage $184/sqft · at area comps Est $338k · 10% under $21/mo HOA · 1% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

This adorable 4 bedroom, 2 bath home has everything you could want. .. manicured lawn with beautiful flowers, stainless steel appliances, granite and open floor plan. You will find three bedrooms down and one bonus room or additional bedroom upstairs. The center island in the kitchen gives you extra space for cooking and storage. Primary bathroom has a tiled walk thru shower and double sinks. It has a nice size covered patio and back yard ready for the family. Won't last long!

Key facts

  • Open floor plan
  • Manicured lawn
  • Center island

Tags

MANICURED LAWNSTAINLESS STEEL APPLIANCESGRANITEOPEN FLOOR PLANCENTER ISLANDTILED WALK THRU SHOWER

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $305k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-42 ($-508/yr) — negative.
  • To cash-flow at today's rent, offer at most $298k (2.5% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $257k (15.8% below list).
  • Recommended offer: $257k (15.8% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 65/100 on livability (#107 in MS) — a middle-class / working-renter tenant base. Strengths: 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: Desoto Central Primary (876 students, 100% FRL); Desoto Central Middle School (math 62% / reading 48%, grade B-, #15 of 179 statewide, top 8%, 1,468 students, 100% FRL); Desoto Central High School (math 36% / reading 52%, grade F, #40 of 197 statewide, top 20%, 1,995 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: 208 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals lingering (median 47d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 1,155 units permitted in DeSoto County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
  • DeSoto County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 86 days — a 6% lower offer ($287k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 7y ago; this cycle's ask has dropped $20k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $256,681 (15.8% 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. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
0.84%
Cap rate
6.13%
Cash-on-cash
-0.59%
DSCR
0.97
GRM
9.9

CMA / ARV

ARV (median comp)
$337,872
List price
$305,000
Delta
-9.73%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3543 Marion Ln 0.06mi 4/2.0 1,822 (+10%) 2mo $312,500 $172 79
3377 Cable Ln 0.19mi 3/2.0 (-1) 1,717 (+4%) 3mo $305,000 $178 78
2490 Marion Ln 0.21mi 4/2.0 1,820 (+10%) 9mo $300,000 $165 66
2247 Bella Ln 0.23mi 3/2.0 (-1) 1,871 (+13%) 1mo $325,000 $174 62
3401 Cable Ln 0.16mi 4/2.0 1,898 (+14%) 11mo $292,500 $154 59
3473 E Enclave Dr 0.42mi 3/2.0 (-1) 1,821 (+10%) 0mo $315,000 $173 59
2607 Dawnwood Cir 0.37mi 4/2.0 1,903 (+15%) 2mo $325,000 $171 57
2624 Champion Hills Dr 0.26mi 3/2.0 (-1) 1,883 (+14%) 4mo $315,000 $167 57
3601 Harvest Tree Dr 0.23mi 3/2.0 (-1) 1,870 (+13%) 9mo $315,000 $168 56
2930 N Hartland Dr 0.62mi 4/2.0 1,755 (+6%) 7mo $280,000 $160 55
2634 Harvest Tree Dr 0.32mi 4/2.0 1,900 (+14%) 12mo $315,000 $166 51
3020 Makenlee St 0.51mi 3/2.5 (-1) 1,882 (+13%) 11mo $305,900 $163 38

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
-17.3%
Equity multiple
0.39×
Total profit
$-52,102
Equity at exit
$45,476
10-year hold
IRR
-9.2%
Equity multiple
0.43×
Total profit
$-48,776
Equity at exit
$26,371

Cash invested: $85,400 (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.
Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
3 active · 8 under contract
Months of supply
1.4 mo (72%/mo absorbed)
Median asking
$315,000 ($172/sqft)
Median days on market
52 d
This list price
lowest-priced of the active set
ARV vs active asking
+18.3% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 38672

Home prices YoY
-13.1%
Active inventory
208
Price-to-rent
9.9×

Monthly cashflow live

Estimated rent
$2,567 high interval (Pro) →
Mortgage (P&I)
$1,599
Tax from tax record
$323 /mo · $3,871/yr
Insurance
$127
HOA
$21
Vacancy / Maint / Mgmt
$539
Net cashflow
$-42

Break-even live

Break-even rent $2,620
Max offer price $297,527
Occupancy floor 97%

Sensitivity live

Price -10% $130 -5% $44 +0% $-42 +5% $-129 +10% $-215
Rent -10% $-245 -5% $-144 +0% $-42 +5% $59 +10% $160
Rate -1.0pp $111 -0.5pp $35 base $-42 +0.5pp $-121 +1.0pp $-202

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
$76,250
Closing costs
$9,150
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 17 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3469 Marion Ln Southaven, MS 4.0 2.0 1884 $2,280 $1.21 66d 1 0.07mi
3596 Sabra Ln Southaven, MS 3.0 2.5 1868 $2,320 $1.24 41d 1 0.08mi
2647 Champion Hills Dr Southaven, MS 3.0 2.0 2002 $3,270 $1.63 69d 1 0.29mi
2674 Champion Hills Dr Southaven, MS 4.0 2.5 2037 $2,360 $1.16 66d 1 0.31mi
3811 Dawnwood Cir W Southaven, MS 3.0 2.0 1918 $2,300 $1.20 17d 1 0.36mi
3288 Champion Hills Dr Southaven, MS 4.0 2.0 2100 $2,480 $1.18 35d 1 0.41mi
3777 Pavilion Cir Southaven, MS 4.0 3.0 2041 $2,475 $1.21 20d 1 0.48mi
2932 S Hartland Dr Southaven, MS 3.0 2.0 2186 $2,050 $0.94 25d 1 0.64mi
3257 E Hartland Dr Southaven, MS 3.0 2.0 1581 $1,975 $1.25 17d 1 0.64mi
3080 Greenhouse Dr Southaven, MS 3.0 2.0 1767 $2,100 $1.19 93d 1 0.99mi
2928 Boffin Dr Southaven, MS 4.0 2.0 1725 $1,990 $1.15 93d 1 1.01mi
2943 Dawkins Cv Southaven, MS 4.0 2.0 1830 $2,095 $1.14 47d 1 1.04mi
2895 Liverpool Ln Southaven, MS 3.0 2.0 1850 $2,200 $1.19 16d 1 1.13mi
4508 Westminister Cir Southaven, MS 4.0 3.0 2204 $2,165 $0.98 61d 1 1.17mi
3261 Vineyard Dr S Southaven, MS 4.0 2.0 1817 $2,495 $1.37 93d 1 1.18mi
3450 Bop Blvd Southaven, MS 3.0 2.0 1913 $2,136 $1.12 72d 1 1.35mi
4485 Nicholas Ln Southaven, MS 4.0 2.0 2173 $2,240 $1.03 16d 1 1.49mi

Property features AI

Finance

Other
Address: 3579 Sabra Lane, Southaven, MS 38672Directions available
HOA & community
Homeowners association with an annual fee of $250 (management included)Community features: fishing, hiking/walking trails, playground, restaurant, street lights

Exterior

Parking
2-car garage that faces the frontParking padConcrete surfaces
Security
Carbon monoxide detector(s)Fire alarmDead bolt lock(s)
Utilities
Public waterPublic sewerCable, electricity, natural gas, and water connected
Home design
Single family residence (house)Two levelsMove-in ready
Construction
Brick and HardiPlank-type sidingArchitectural shingle roofSlab foundationBuilt by builder (builder-provided year and living area source)
Exterior features
Front porch, rear porch, patioRain guttersFenced backyard (wood)Landscaped, level, city lot with front yardCurbs and sidewalks (community)

Interior

Kitchen
DishwasherDisposalFree-standing refrigeratorMicrowaveRange hoodStainless steel appliances
Bedrooms
Primary bedroom (Main level)Additional bedrooms on Main levelOne bedroom on Second level
Flooring
HardwoodCarpetCeramic tileTile
Bathrooms
Two full bathrooms (including primary bathroom on Main level)
Heating & cooling
Natural gas heatingFireplace(s) for heatCentral air conditioning
Interior features
Open floorplan with high ceilings and vaulted ceilingsGranite countersKitchen islandBreakfast barEat-in kitchenPantryDouble vanityWalk-in closet(s)Ceiling fan(s)High speed internetBlinds and double-pane windowsDead bolt locksHas fireplace (living room and bathroom)
Laundry & utility
Main-level laundry room with electric dryer hookupWater heater

Listing history 50 events

  1. 2026-08-08
    days on market $305,000 Active 86 DOM
  2. 2026-08-07
    days on market $305,000 Active 85 DOM
  3. 2026-08-06
    days on market $305,000 Active 84 DOM
  4. 2026-08-05
    days on market $305,000 Active 83 DOM
  5. 2026-08-04
    days on market $305,000 Active 82 DOM
  6. 2026-08-03
    days on market $305,000 Active 81 DOM
  7. 2026-07-31
    days on market $305,000 Active 78 DOM
  8. 2026-07-30
    days on market $305,000 Active 76 DOM
  9. 2026-07-28
    days on market $305,000 Active 75 DOM
  10. 2026-07-26
    days on market $305,000 Active 73 DOM
  11. 2026-07-24
    days on market $305,000 Active 71 DOM
  12. 2026-07-23
    days on market $305,000 Active 70 DOM
  13. 2026-07-22
    days on market $305,000 Active 69 DOM
  14. 2026-07-21
    days on market $305,000 Active 68 DOM
  15. 2026-07-20
    days on market $305,000 Active 67 DOM
  16. 2026-07-18
    days on market $305,000 Active 65 DOM
  17. 2026-07-18
    days on market $305,000 Active 64 DOM
  18. 2026-07-16
    days on market $305,000 Active 63 DOM
  19. 2026-07-15
    days on market $305,000 Active 62 DOM
  20. 2026-07-14
    days on market $305,000 Active 61 DOM
  21. 2026-07-13
    days on market $305,000 Active 60 DOM
  22. 2026-07-13
    pricedays on market $305,000 Active 59 DOM
  23. 2026-07-11
    days on market $310,000 Active 58 DOM
  24. 2026-07-09
    days on market $310,000 Active 56 DOM
  25. 2026-07-07
    days on market $310,000 Active 54 DOM
  26. 2026-07-06
    days on market $310,000 Active 53 DOM
  27. 2026-07-05
    days on market $310,000 Active 52 DOM
  28. 2026-07-03
    days on market $310,000 Active 50 DOM
  29. 2026-07-02
    days on market $310,000 Active 49 DOM
  30. 2026-07-01
    days on market $310,000 Active 48 DOM
  31. 2026-06-30
    days on market $310,000 Active 47 DOM
  32. 2026-06-29
    days on market $310,000 Active 46 DOM
  33. 2026-06-28
    days on market $310,000 Active 45 DOM
  34. 2026-06-27
    days on market $310,000 Active 44 DOM
  35. 2026-06-27
    days on market $310,000 Active 43 DOM
  36. 2026-06-25
    days on market $310,000 Active 41 DOM
  37. 2026-06-22
    days on market $310,000 Active 39 DOM
  38. 2026-06-21
    pricedays on market $310,000 Active 38 DOM
  39. 2026-06-18
    days on market $315,000 Active 35 DOM
  40. 2026-06-17
    days on market $315,000 Active 34 DOM
  41. 2026-06-16
    days on market $315,000 Active 33 DOM
  42. 2026-06-15
    days on market $315,000 Active 32 DOM
  43. 2026-06-13
    days on market $315,000 Active 30 DOM
  44. 2026-06-10
    pricedays on market $315,000 Active 27 DOM
  45. 2026-06-09
    days on market $318,000 Active 26 DOM
  46. 2026-06-08
    days on market $318,000 Active 25 DOM
  47. 2026-06-07
    days on market $318,000 Active 24 DOM
  48. 2026-06-03
    days on market $318,000 Active 20 DOM
  49. 2026-06-02
    days on market $318,000 Active 19 DOM
  50. 2026-06-01
    days on market $318,000 Active 18 DOM

ⓘ 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
$3,871 · $323/mo
Projected year-2 tax
$3,871 · $323/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 4/10 Moderate
  • 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 22% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 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
$30,802
− Mortgage interest
−$17,085
− Property taxes
−$3,871
− Insurance
−$1,525
− Repairs & maintenance
−$2,464
− Management
−$2,464
− HOA
−$252
− Depreciation
−$8,873
Taxable loss
−$5,732
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,376
After-tax cash flow
$868/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $8,295–$24,885 screening

This 4-bedroom, 2-bath home is in good condition with a good curb appeal. It has a good layout and features like granite countertops and stainless steel appliances. The home is move-in ready and would benefit from some minor updates to enhance its curb appeal and interior aesthetics.

Value-add opportunities

  • Both Paint interior walls — Neutral paint can be refreshed to enhance curb appeal and interior aesthetics
  • Both Replace light fixtures — Updating light fixtures can improve the home's curb appeal and interior aesthetics
  • Both Add outdoor lighting — Adding outdoor lighting can improve safety and curb appeal
  • Rental Install a smart thermostat — A smart thermostat can improve energy efficiency and appeal to renters

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 50/100

Zoned Schools

Elementary Desoto Central Primary Middle Desoto Central Middle School B- MS #15/179 Nat'l #2,482/14,009 High Desoto Central High School F MS #40/197 Nat'l #7,320/17,239

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
C Composite livability gradescore 65/100

Livability — Southaven

Score
65/100
State rank
#107
US rank
#12584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Southaven, MS
County
DeSoto County · 203,338 people
City population
53,755
Metro
Memphis, TN-MS-AR
Population (ZIP)
16,436
Household income
$116,184
Rent vs Own
11.6% rent · 88.4% own

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
Majority White (60%)
Race & ethnicity
White 60% Black 31% Hispanic / Latino 5% Two or more races 4% Asian 3%
Hispanic origin (detail)
Mexican 3%
Common ancestry
Subsaharan African 2% Italian 2% Serbian 1%
Foreign-born
5% · Canada, China
Languages at home
96% English-only · Spanish 2% Chinese 1% Other Asian/Pacific 1%

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

Price history

+50.1% since first listed
9 events — show timeline
  • 2026-06-09 Price Changed $315,000 MLSU
  • 2026-05-17 Price Changed $318,000 MLSU
  • 2026-05-15 Listed $325,000 MLSU
  • 2022-07-27 Listing Removed MLSU
  • 2022-07-25 Relisted MLSU
  • 2022-06-22 Pending MLSU
  • 2022-06-18 Listed $300,000 MLSU
  • 2019-03-29 Listing Removed MLSU
  • 2019-01-25 Listed $209,900 MLSU

Property tax history

+16.3%/yr

Latest (2025): $3,871 · +93.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…