3579 Sabra Ln · Southaven, MS
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $1,241 – $2,305
Heat risk 6/10 · Moderate
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 22.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
Neighborhood map
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.
Questions for the listing agent
- 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?
- 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?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- IRR
- -17.3%
- Equity multiple
- 0.39×
- Total profit
- $-52,102
- Equity at exit
- $45,476
- 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
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
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$539
- Net cashflow
- $-42
Break-even live
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
- Club membership (one-time)
- —
- 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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-08-08days on market $305,000 Active 86 DOM
-
2026-08-07days on market $305,000 Active 85 DOM
-
2026-08-06days on market $305,000 Active 84 DOM
-
2026-08-05days on market $305,000 Active 83 DOM
-
2026-08-04days on market $305,000 Active 82 DOM
-
2026-08-03days on market $305,000 Active 81 DOM
-
2026-07-31days on market $305,000 Active 78 DOM
-
2026-07-30days on market $305,000 Active 76 DOM
-
2026-07-28days on market $305,000 Active 75 DOM
-
2026-07-26days on market $305,000 Active 73 DOM
-
2026-07-24days on market $305,000 Active 71 DOM
-
2026-07-23days on market $305,000 Active 70 DOM
-
2026-07-22days on market $305,000 Active 69 DOM
-
2026-07-21days on market $305,000 Active 68 DOM
-
2026-07-20days on market $305,000 Active 67 DOM
-
2026-07-18days on market $305,000 Active 65 DOM
-
2026-07-18days on market $305,000 Active 64 DOM
-
2026-07-16days on market $305,000 Active 63 DOM
-
2026-07-15days on market $305,000 Active 62 DOM
-
2026-07-14days on market $305,000 Active 61 DOM
-
2026-07-13days on market $305,000 Active 60 DOM
-
2026-07-13pricedays on market $305,000 Active 59 DOM
-
2026-07-11days on market $310,000 Active 58 DOM
-
2026-07-09days on market $310,000 Active 56 DOM
-
2026-07-07days on market $310,000 Active 54 DOM
-
2026-07-06days on market $310,000 Active 53 DOM
-
2026-07-05days on market $310,000 Active 52 DOM
-
2026-07-03days on market $310,000 Active 50 DOM
-
2026-07-02days on market $310,000 Active 49 DOM
-
2026-07-01days on market $310,000 Active 48 DOM
-
2026-06-30days on market $310,000 Active 47 DOM
-
2026-06-29days on market $310,000 Active 46 DOM
-
2026-06-28days on market $310,000 Active 45 DOM
-
2026-06-27days on market $310,000 Active 44 DOM
-
2026-06-27days on market $310,000 Active 43 DOM
-
2026-06-25days on market $310,000 Active 41 DOM
-
2026-06-22days on market $310,000 Active 39 DOM
-
2026-06-21pricedays on market $310,000 Active 38 DOM
-
2026-06-18days on market $315,000 Active 35 DOM
-
2026-06-17days on market $315,000 Active 34 DOM
-
2026-06-16days on market $315,000 Active 33 DOM
-
2026-06-15days on market $315,000 Active 32 DOM
-
2026-06-13days on market $315,000 Active 30 DOM
-
2026-06-10pricedays on market $315,000 Active 27 DOM
-
2026-06-09days on market $318,000 Active 26 DOM
-
2026-06-08days on market $318,000 Active 25 DOM
-
2026-06-07days on market $318,000 Active 24 DOM
-
2026-06-03days on market $318,000 Active 20 DOM
-
2026-06-02days on market $318,000 Active 19 DOM
-
2026-06-01days 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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
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
- 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
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.
Zoned Schools
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 — Southaven
- Score
- 65/100
- State rank
- #107
- US rank
- #12584
Category grades
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
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
- —
Market trends
- HPI YoY
- ▼ -25.90%
- Current HPI
- 172.4771
- Rent YoY
- —
- Metro
- Memphis, TN-MS-AR
- State GDP YoY
- —
- F500 in state
- 0
Price history
+50.1% since first listed9 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%/yrLatest (2025): $3,871 · +93.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…