2069 Bucker Rd S · Mobile, AL 36605

$129,900

3 bd · 1.0 ba · 1,767 sqft · SingleFamily public records · 2 Days on market

Built 1989 0.25 ac lot Est $115k · 13% over

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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 +26.5/30.0
• DSCR +9.0/10.0
• 1% rule +6.2/10.0
• Rent growth +4.6/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• ARV discount +1.6/15.0
• Appreciation +0.0/10.0

Listing remarks

Calling all Landlords! Come check out this updated 4 bedroom / 2 bath rental property in a very convenient location. The house is rented, please no homeowner, owner occupant inquiries. The property is under the affordable housing program with a voucher paying $1,500/month! The house had a 30 year architectural roof installed in 2019 along with a full HVAC change out in 2019. The house also features luxury vinyl plank flooring in all the wet areas and other recent cosmetic updates. The house also has a full two car garage.

Key facts

• Full hvac change out
• 0.25 acre lot
• 2 garage spots

Tags

• 30 YEAR ARCHITECTURAL ROOF
• FULL HVAC CHANGE OUT
• LUXURY VINYL PLANK FLOORING
• RECENT COSMETIC UPDATES

Property features AI

Exterior

• Parking: 2-car garage
• Utilities: Cable available; Electricity available (110V and 220V); Natural gas available; Public sewer
• Home design: Single family residence; Residential property
• Construction: Vinyl siding; Composition roof; Pillar/post/pier foundation
• Exterior features: Back yard fencing; Property has a view

Interior

• Kitchen: Dishwasher; Electric range; Range hood; Refrigerator
• Bedrooms: 4 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air; Ceiling fans
• Interior features: Fireplace; Other interior features
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $342 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Cap rate 9.5% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, employment D-.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Maryvale Elementary School (math 5% / reading 25%, grade F, #505 of 627 statewide, top 81%, 494 students, 92% FRL); Lillie B Williamson High School (math 2% / reading 12%, grade F, #273 of 305 statewide, top 89%, 956 students, 94% FRL) — zoned schools average 93% FRL vs 67% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 11% at this address vs 27% district-wide (-16 pts) — the specific schools serving this property underperform the Mobile County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+8.3%/yr); 139 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 57% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).
• This rent runs 40% of the median local income ($44k/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 $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $36k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y 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→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $129,900

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. 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?
3. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. 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.
5. 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.
6. 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: 1.12% ✓
• Cap rate: 9.45%
• Cash-on-cash: 11.28%
• DSCR: 1.50
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $114,855
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1212 Evangeline St	0.31mi	3/1.0	1,810 (+2%)	13mo	$122,000	$67	71
1406 Boudousquie St	0.32mi	3/1.0	1,609 (-9%)	4mo	$65,000	$40	66
2113 Highland Ct	0.51mi	2/1.0 (-1)	1,806 (+2%)	5mo	$70,000	$39	64
2101 Webb Ave	0.28mi	3/1.5	1,672 (-5%)	19mo	$108,000	$65	60
1164 Evangeline St	0.35mi	3/2.0	1,546 (-12%)	4mo	$80,000	$52	56
2517 Pinecliff Ct N	0.60mi	3/1.5	1,862 (+5%)	11mo	$85,100	$46	52
2463 Karagan Dr	0.67mi	3/1.5	1,680 (-5%)	14mo	$120,000	$71	47
2063 Gimon Cir N	0.46mi	4/1.5 (+1)	1,558 (-12%)	8mo	$68,000	$44	45
948 Navco Rd	0.65mi	4/2.0 (+1)	1,688 (-4%)	15mo	$139,000	$82	41
2524 Pinecliff Ct N	0.63mi	3/2.0	1,611 (-9%)	13mo	$185,000	$115	41
6509 Magpie Dr	0.70mi	4/2.0 (+1)	1,791 (+1%)	21mo	$311,535	$174	39

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 5.6%
• Equity multiple: 1.23×
• Total profit: $8,377
• Equity at exit: $19,369

10-year hold

• IRR: 18.9%
• Equity multiple: 2.93×
• Total profit: $70,183
• Equity at exit: $11,231

Cash invested: $36,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Alabama: 90 Strongly Landlord-Friendly · R+15
• County: — inherits STATE
• City: — inherits STATE

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 36605

• Rents YoY: 8.3%
• Active inventory: 139
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,455 high
• Mortgage (P&I): −$681
• Tax from tax record: −$72 /mo · $864/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $342

Break-even live

Break-even rent $1,022

Max offer price $129,900

Occupancy floor 72%

Sensitivity live

Price	-10% $415	-5% $379	+0% $342	+5% $305	+10% $268
Rent	-10% $227	-5% $284	+0% $342	+5% $399	+10% $457
Rate	-1.0pp $407	-0.5pp $375	base $342	+0.5pp $308	+1.0pp $274

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2055 Steiner St Mobile, AL	2.0	1.0	1797	$895	$0.50	44d	1	0.45mi
2456 McLaughlin Dr Mobile, AL	3.0	1.0	1405	$1,300	$0.93	44d	1	0.76mi
2068 Victory Ct Mobile, AL	4.0	1.0	1259	$1,225	$0.97	44d	1	0.93mi
2255 Dog River Ct Unit 1043454P Mobile, AL	4.0	2.0	1851	$2,890	$1.56	22d	1	0.93mi
706 Cherokee St Mobile, AL	3.0	1.0	1260	$1,375	$1.09	22d	1	1.35mi
713 Iris Ave Mobile, AL	3.0	1.0	1617	$1,300	$0.80	22d	1	1.36mi
618 Clarke St Mobile, AL	3.0	1.0	1427	$1,200	$0.84	44d	1	1.46mi

Listing history 6 events

1. 2026-05-20
   status Pending
2. 2026-05-18
   listed $129,900 Active
3. 2024-01-06
   historical $1,350
4. 2023-12-21
   listed $1,350
5. 2019-10-08
   soldstatus $169,000
6. 2019-03-18
   soldstatus $38,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $864 · $72/mo
• Projected year-2 tax: $864 · $72/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 4/10 Moderate FEMA zone X (unshaded) · 18% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 19 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,456
• − Mortgage interest: −$7,276
• − Property taxes: −$864
• − Insurance: −$650
• − Repairs & maintenance: −$1,396
• − Management: −$1,396
• − Depreciation: −$3,779
• Taxable income: $2,094
• Est. tax owed @ 24.0%: −$503
• After-tax cash flow: $3,600/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 25,104
• Household income: $43,538
• Rent vs Own: 46.3% rent · 53.7% own
• Severe rent burden: 1521.0

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (67%)
• Race & ethnicity: Black 67% White 27% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Lithuanian 3% Slovak 2% Iranian 1%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.46%
• Current HPI: 125.9526
• Rent YoY: ▲ 8.26%
• Metro: Mobile, AL
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+237.4% since first listed

6 events — show timeline

• 2026-05-20 Pending — GCMLS AL
• 2026-05-18 Listed $129,900 GCMLS AL
• 2024-01-06 Rental Removed $1,350 APPFOLIO
• 2023-12-21 Listed for Rent $1,350 APPFOLIO
• 2019-10-08 Sold (Public Records) $169,000 Public Records
• 2019-03-18 Sold (Public Records) $38,500 Public Records

Property tax history

+11.8%/yr

Latest (2025): $864 · +1.3% YoY. Source: county tax records.