84115 Lola Dr · Diamondhead, MS 39525

$200,000

3 bd · 2.0 ba · 1,500 sqft · SingleFamily · 1 Days on market

Built 1999 Fair condition 7,405 sqft lot Est $236k · 15% 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 +19.9/30.0
• ARV discount +14.3/15.0
• DSCR +6.3/10.0
• 1% rule +5.3/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

House must sell!! Make an offer before it is too late! This house shows well, has a screened in patio, fireplace, double car garage and a manicuredlawn.

Key facts

• 7,405 sq ft lot
• 2 garage spots
• Built 1999

Property features AI

Finance

• Other: Living area reported as 1,500 (source: public records)
• Financial info: Financial details not provided
• HOA & community: Clubhouse; Golf; Tennis courts

Exterior

• Parking: 2-car garage that faces the front
• Security: No specific security features listed
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single-family house; One level
• Construction: Brick veneer construction; Slab foundation; Asphalt shingle roof; Year built available from public records
• Exterior features: Patio; Porch; Front yard fencing; Fenced lot; Other exterior features (see remarks)

Interior

• Kitchen: Dishwasher; Microwave; Oven; Refrigerator; Stone counters
• Bedrooms: Bedrooms information not provided
• Flooring: See remarks
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Ceiling fans; High ceilings; Stone counters; Walk-in closets; Fireplace; Window treatments
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $240 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 7.7% vs local median 4.8% 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: 246 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $1k of loan paydown is wiped out by about $6k 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.
• 2 sale attempts since 21y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $200,000

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 7.73%
• Cash-on-cash: 5.14%
• DSCR: 1.23
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $235,500
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
84115 Lola Dr	0.00mi	3/2.0	1,500 (0%)	1mo	$200,000	$133	99
84119 Bayou Dr	0.13mi	3/2.0	1,500 (0%)	5mo	$230,000	$153	90
8469 Amoka Dr	0.15mi	3/2.0	1,612 (+8%)	3mo	$284,900	$177	78
7334 Analii St	0.36mi	3/2.0	1,544 (+3%)	5mo	$242,800	$157	74
7315 Ahi Dr	0.53mi	3/2.0	1,583 (+6%)	1mo	$269,000	$170	65
84144 Lola Dr	0.14mi	3/2.0	1,279 (-15%)	6mo	$189,498	$148	64
9512 Lono Pl	0.44mi	3/2.0	1,344 (-10%)	6mo	$189,000	$141	57
7455 Analii St	0.42mi	3/2.0	1,722 (+15%)	0mo	$159,900	$93	56
7358 Ahi Dr	0.52mi	3/2.0	1,345 (-10%)	5mo	$300,000	$223	54
94176 Bayou Dr	0.51mi	3/2.0	1,302 (-13%)	2mo	$265,000	$204	53
6414 Kiko St	0.64mi	3/2.0	1,634 (+9%)	5mo	$320,000	$196	51
9536 Poni Pl	0.70mi	3/2.0	1,714 (+14%)	1mo	$229,900	$134	43

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: -8.3%
• Equity multiple: 0.69×
• Total profit: $-17,105
• Equity at exit: $29,821

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $4,897
• Equity at exit: $17,292

Cash invested: $56,000 (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: 246
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,053 high
• Mortgage (P&I): −$1,049
• Tax est. 1.5%: −$250 /mo · $3,000/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $240

Break-even live

Break-even rent $1,750

Max offer price $200,000

Occupancy floor 83%

Sensitivity live

Price	-10% $378	-5% $309	+0% $240	+5% $171	+10% $102
Rent	-10% $78	-5% $159	+0% $240	+5% $321	+10% $402
Rate	-1.0pp $341	-0.5pp $291	base $240	+0.5pp $188	+1.0pp $135

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63739 Diamondhead Dr N Diamondhead, MS	3.0	2.0	1580	$1,600	$1.01	21d	1	0.69mi
250 Highpoint Dr Unit 250 Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	21d	1	1.01mi
250 Highpoint Dr Diamondhead, MS	2.0	2.5	1367	$2,500	$1.83	44d	1	1.01mi
289 Highpoint Dr Diamondhead, MS	2.0	2.5	1340	$1,700	$1.27	14d	1	1.14mi
5402 Gex Dr Diamondhead, MS	2.0	1.0	1240	$1,500	$1.21	14d	1	1.24mi

Listing history 4 events

1. 2026-04-28
   status Pending
2. 2026-04-28
   listed $200,000 Active
3. 2005-12-30
   soldstatus 152-char remark

   Show marketing remark (152 chars)

   House must sell!! Make an offer before it is too late! This house shows well, has a screened in patio, fireplace, double car garage and a manicuredlawn.

4. 2005-10-10
   listed $152,000 152-char remark

   Show marketing remark (152 chars)

   House must sell!! Make an offer before it is too late! This house shows well, has a screened in patio, fireplace, double car garage and a manicuredlawn.

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 22 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: $24,637
• − Mortgage interest: −$11,203
• − Property taxes: −$3,000
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,971
• − Management: −$1,971
• − Depreciation: −$5,818
• Taxable loss: −$326
• Est. tax savings @ 24.0%: +$78
• After-tax cash flow: $2,956/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

Fair 45/100 Moderate rehab

The home requires moderate renovations to update the kitchen and bathrooms, paint the interior and exterior, and improve the landscaping. These updates would significantly increase its resale and rental value.

Repairs flagged

• Moderate kitchen cabinets — dated and worn
• Moderate kitchen countertops — dated and worn
• Moderate bathroom fixtures — basic and worn
• Moderate paint — worn and outdated

Value-add opportunities

• Resale new kitchen cabinets and countertops — modernizes the kitchen and adds value
• Resale new bathroom fixtures — improves the bathroom and adds value
• Both painting — refreshes the interior and exterior, improving curb appeal
• Both landscaping — enhances the curb appeal and adds value

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · dated and worn	Moderate	$3,000–15,000
kitchen countertops · dated and worn	Moderate	$3,000–15,000
bathroom fixtures · basic and worn	Moderate	$3,000–15,000
paint · worn and outdated	Moderate	$3,000–15,000
Total estimated repair cost · 4 items		$12,000–60,000

Value-add ROI direction

• Resale new kitchen cabinets and countertops — modernizes the kitchen and adds value ↑
• Resale new bathroom fixtures — improves the bathroom and adds value ↑
• Both painting — refreshes the interior and exterior, improving curb appeal ↑
• Both landscaping — enhances the curb appeal and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

+31.6% since first listed

4 events — show timeline

• 2026-04-28 Pending — MLSU
• 2026-04-28 Listed $200,000 MLSU
• 2005-12-30 Sold (MLS) — MLSU
• 2005-10-10 Listed $152,000 MLSU