9536 Poni Pl · Diamondhead, MS 39525

$229,900

3 bd · 2.0 ba · 1,714 sqft · SingleFamily public records · 1 Days on market

Built 1997 0.39 ac lot $134/sqft · 10% below area Est $254k · 10% 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 +18.7/30.0
• ARV discount +11.8/15.0
• DSCR +5.9/10.0
• 1% rule +4.5/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Well maintained 3 bedroom, 2 bath home situated on 2 large beautiful lots on a cul de sac. Featuring over 1700 square feet, open kitchen/living, spacious bedrooms PLUS AN OFFICE/PLAYROOM or whatever your needs are for this extra room. Side entry oversized 2 car garage.

Key facts

• Open kitchen living
• Cul de sac
• Extra room

Tags

• CUL DE SAC
• OPEN KITCHEN LIVING
• EXTRA ROOM

Property features AI

Finance

• HOA & community: Community association (includes pool service); Community amenities: airport/runway, boating, clubhouse, fishing, fitness center, golf, lake, marina, near entertainment, playground, pool, restaurant, RV/boat storage, sports fields, tennis courts

Exterior

• Parking: 2-car garage; Driveway; Garage door opener; Concrete parking surface
• Utilities: Public water; Public sewer; Electricity available; Cable available; Phone available
• Home design: Single-family house; One level; Move-in ready
• Construction: Brick construction; Slab foundation; Built in public-record year
• Exterior features: Shingle roof; See remarks

Interior

• Kitchen: Dishwasher; Electric range; Range hood; Water heater
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric); Ceiling fan(s)
• Interior features: Breakfast bar; Ceiling fan(s)
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $229 ($3k/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 $218k (5.0% below list).
• Recommended offer: $218k (5.0% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 4.9% in Diamondhead — 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 68/100 on livability (#59 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.
• Hancock County School District (rural): math 47% / reading 44% proficiency, ranked #23 of 130 in MS (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Hancock Elementary School (math 64% / reading 59%, grade B, #22 of 375 statewide, top 6%, 639 students, 100% FRL); Hancock Middle School (math 48% / reading 44%, grade D+, #39 of 179 statewide, top 22%, 958 students, 100% FRL); Hancock High School (math 42% / reading 43%, grade F, #42 of 197 statewide, top 21%, 1,187 students, 100% FRL) — zoned schools average 100% FRL vs 58% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 250 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 248 units permitted in Hancock 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 $7k of value loss. Plan a longer hold.
• Hancock County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $218,476 (5.0% 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. 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.
3. 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.
4. 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: 0.95% ✗
• Cap rate: 7.49%
• Cash-on-cash: 4.26%
• DSCR: 1.19
• GRM: 8.8

CMA / ARV

• ARV (median comp): $254,446
• List price: $229,900
• Delta: -9.65%
• 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
9536 Poni Pl	0.00mi	3/2.0	1,714 (0%)	1mo	$229,900	$134	99
95522 W Diamondhead Dr	0.29mi	3/2.0	1,782 (+4%)	2mo	$300,000	$168	78
9624 Kini Pl	0.36mi	3/2.0	1,668 (-3%)	3mo	$219,000	$131	76
9526 Laa La Pl	0.20mi	3/2.0	1,830 (+7%)	9mo	$283,000	$155	72
969 Laa La Way	0.16mi	3/2.0	1,537 (-10%)	9mo	$239,900	$156	68
9722 Kini St	0.55mi	3/2.0	1,659 (-3%)	8mo	$219,500	$132	63
10737 Linohau Way	0.53mi	3/2.0	1,508 (-12%)	4mo	$239,500	$159	52
1064 Lilinoe Pl	0.43mi	3/2.0	1,478 (-14%)	7mo	$226,000	$153	51
84118 Lola Dr	0.67mi	4/2.0 (+1)	1,848 (+8%)	1mo	$224,900	$122	50
84119 Bayou Dr	0.58mi	3/2.0	1,500 (-12%)	5mo	$230,000	$153	48
8716 W Diamondhead Dr	0.73mi	3/2.0	1,869 (+9%)	5mo	$265,000	$142	47
84115 Lola Dr	0.70mi	3/2.0	1,500 (-12%)	1mo	$200,000	$133	46

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: -9.6%
• Equity multiple: 0.65×
• Total profit: $-22,707
• Equity at exit: $34,279

10-year hold

• IRR: -0.2%
• Equity multiple: 0.98×
• Total profit: $-1,107
• Equity at exit: $19,878

Cash invested: $64,372 (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 39525

• Home prices YoY: -19.1%
• Active inventory: 250
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,185 medium
• Mortgage (P&I): −$1,206
• Tax from tax record: −$196 /mo · $2,349/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$459
• Net cashflow: $229

Break-even live

Break-even rent $1,895

Max offer price $229,900

Occupancy floor 85%

Sensitivity live

Price	-10% $359	-5% $294	+0% $229	+5% $164	+10% $99
Rent	-10% $56	-5% $142	+0% $229	+5% $315	+10% $401
Rate	-1.0pp $345	-0.5pp $287	base $229	+0.5pp $169	+1.0pp $109

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: $57,475
• Closing costs: $6,897
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
250 Highpoint Dr Unit 250 Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	22d	1	0.77mi
250 Highpoint Dr Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	45d	1	0.77mi
289 Highpoint Dr Diamondhead, MS	2.0	2.5	1340	$1,700	$1.27	15d	1	0.89mi
63739 Diamondhead Dr N Diamondhead, MS	3.0	2.0	1580	$1,600	$1.01	22d	1	1.42mi

Listing history 3 events

1. 2026-05-02
   status Pending 272-char remark
2. 2026-05-01
   listed $229,900 Active 272-char remark
3. 1997-03-29
   soldstatus

ⓘ 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: $2,349 · $196/mo
• Projected year-2 tax: $2,349 · $196/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 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,217
• − Mortgage interest: −$12,878
• − Property taxes: −$2,349
• − Insurance: −$1,150
• − Repairs & maintenance: −$2,097
• − Management: −$2,097
• − Depreciation: −$6,688
• Taxable loss: −$1,043
• Est. tax savings @ 24.0%: +$250
• After-tax cash flow: $2,995/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: Hancock County School District
• NCES district ID: 2801740
• Math proficiency: 47% ▼ -11.00%
• Reading proficiency: 44% ▼ -9.00%
• Median HH income: $47,971
• Composite: 38.88/100
• National rank: #4099
• State rank: #23 of 130 in MS

Livability — Diamondhead

• Score: 68/100
• State rank: #59
• US rank: #9320

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: Diamondhead, MS
• County: Hancock County · 9,338 people
• City population: 9,338
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 9,338
• Household income: $87,407
• Rent vs Own: 10.3% rent · 89.7% own

Population outlook (Hancock County) Hauer SSP2

• Today (2025): 52,161 people
• By 2030: 54,753 · +5.0%
• By 2040: 59,242 · +13.6%
• By 2050: 62,417 · +19.7%
• By 2075: 68,168 · +30.7%
• By 2100: 69,212 · +32.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 9% Hispanic / Latino 8% Black 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 10% Slovak 3% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Hancock

• 2024 margin: Solid R (+58.7) · D 20.1% · R 78.8% · Other 1.1%
• 2008→2024 swing: -4.4pp toward R · 2008: -54.2pp · 2024: -58.7pp
• All cycles: 2024: R+58.7 2020: R+55.5 2016: R+59.4 2012: R+52.8 2008: R+54.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.77%
• Current HPI: 193.4883
• Rent YoY: —
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

4 events — show timeline

• 2026-05-29 Sold (MLS) — MLSU
• 2026-05-02 Pending — MLSU
• 2026-05-01 Listed $229,900 MLSU
• 1997-03-29 Sold (Public Records) — Public Records

Property tax history

+1.7%/yr

Latest (2025): $2,349 · +0.0% YoY. Source: county tax records.