203 Bainbridge Loop · Muscle Shoals, AL 35661

$139,900

3 bd · 2.0 ba · 1,300 sqft · Manufactured · 130 Days on market

Built 2023 Good condition 0.64 ac lot ↓ 8% since listing

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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 +23.7/30.0
• DSCR +7.6/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• Condition / age +3.8/5.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

Key facts

• Level backyard
• Centrally located
• Lvp flooring

Tags

• OPEN CONCEPT LIVING AREA
• LVP FLOORING
• ISLAND WITH STORAGE
• PLENTY OF NATURAL LIGHT
• LEVEL BACKYARD
• CENTRALLY LOCATED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $140k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $265 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 2.8% in Muscle Shoals — 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 (#68 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities F, commute F.
• Colbert County (rural): math 13% / reading 38% proficiency, ranked #90 of 129 in AL (top 70%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 254 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 91 units permitted in Colbert County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Colbert County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 130 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 130 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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.
6. 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.
7. 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: 1.00% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.12%
• DSCR: 1.36
• GRM: 8.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.0%
• Equity multiple: 0.85×
• Total profit: $-5,842
• Equity at exit: $20,860

10-year hold

• IRR: 5.7%
• Equity multiple: 1.42×
• Total profit: $16,425
• Equity at exit: $12,096

Cash invested: $39,172 (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 35661

• Active inventory: 254
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,400 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$49 /mo · $588/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $265

Break-even live

Break-even rent $1,064

Max offer price $139,900

Occupancy floor 76%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
425 Bainbridge Loop Muscle Shoals, AL	3.0	2.0	1128	$1,400	$1.24	43d	1	0.17mi

Listing history 38 events

1. 2026-06-19
   days on market $139,900 Active 130 DOM
2. 2026-06-18
   days on market $139,900 Active 129 DOM
3. 2026-06-17
   days on market $139,900 Active 128 DOM
4. 2026-06-16
   days on market $139,900 Active 127 DOM
5. 2026-06-15
   days on market $139,900 Active 126 DOM
6. 2026-06-14
   days on market $139,900 Active 124 DOM
7. 2026-06-13
   days on market $139,900 Active 123 DOM
8. 2026-06-10
   days on market $139,900 Active 121 DOM
9. 2026-06-09
   days on market $139,900 Active 120 DOM
10. 2026-06-08
    days on market $139,900 Active 119 DOM
11. 2026-06-07
    remarks 612-char remark
12. 2026-06-07
    days on market $139,900 Active 118 DOM
13. 2026-06-05
    days on market $139,900 Active 115 DOM
14. 2026-06-03
    days on market $139,900 Active 114 DOM
15. 2026-06-02
    pricedays on market $139,900 Active 113 DOM
16. 2026-06-01
    days on market $141,000 Active 112 DOM
17. 2026-05-31
    days on market $141,000 Active 111 DOM
18. 2026-05-30
    days on market $141,000 Active 110 DOM
19. 2026-05-02
    price $143,000 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

20. 2026-05-02
    price $143,000 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

21. 2026-04-20
    price $144,000 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

22. 2026-04-20
    price $144,000 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

23. 2026-04-01
    price $145,000 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

24. 2026-04-01
    price $149,900 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

25. 2026-04-01
    price $145,000 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

26. 2026-04-01
    status Active 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

27. 2026-04-01
    status Active 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

28. 2026-04-01
    price $145,000 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

29. 2026-02-19
    status Pending 571-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

30. 2026-02-19
    status Pending 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

31. 2026-02-07
    price $149,900 602-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

32. 2026-02-07
    price $149,900 571-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

33. 2026-01-24
    price $152,900 602-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

34. 2026-01-24
    price $152,900 571-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

35. 2026-01-07
    price $153,900 602-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

36. 2026-01-07
    price $153,900 571-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

37. 2025-12-30
    listed $154,900 Active 571-char remark

    Show marketing remark (571 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Primary on suite has a walk in closet. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area just minutes from a boat ramp to go enjoy the summer on the Tennessee River.

38. 2025-12-26
    listed $154,900 Active 602-char remark

    Show marketing remark (602 chars)

    Check out this 2023 model three bedroom two bath double wide mobile home located in a peaceful country setting. Open concept living area. No carpet, home has LVP flooring throughout and modern fixtures. Eat in kitchen features an island with storage and plenty of natural light. Neutral color scheme throughout. Bedrooms have walk in closets. NEW front and back wooden decks have been added. Backyard is level with plenty of space for entertaining. Centrally located in the Shoals area you are just minutes from spending a day on the Tennessee River or taking advantage of all the tri cities amenities.

ⓘ 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: $588 · $49/mo
• Projected year-2 tax: $588 · $49/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $16,800
• − Mortgage interest: −$7,837
• − Property taxes: −$588
• − Insurance: −$700
• − Repairs & maintenance: −$1,344
• − Management: −$1,344
• − Depreciation: −$4,070
• Taxable income: $919
• Est. tax owed @ 24.0%: −$220
• After-tax cash flow: $2,961/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 · 1 photo

Good 75/100 Cosmetic rehab

This 2023 model mobile home is in good condition with modern updates and a peaceful setting. Minor improvements to landscaping and curb appeal can further enhance its value.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters
• Both Painting exterior and interior — Fresh paint can improve the home's appearance and value
• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters ↑
• Both Painting exterior and interior — Fresh paint can improve the home's appearance and value ↑
• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters ↑

ⓘ 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: Colbert County
• NCES district ID: 0100840
• Math proficiency: 13% ▼ -24.00%
• Reading proficiency: 38% ▬ 0.00%
• Median HH income: $40,710
• Composite: 21.48/100
• National rank: #8328
• State rank: #90 of 129 in AL

Livability — Muscle Shoals

• Score: 68/100
• State rank: #68
• US rank: #9422

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 18,957

Population outlook (Colbert County) Hauer SSP2

• Today (2025): 54,154 people
• By 2030: 53,746 · -0.8%
• By 2040: 52,431 · -3.2%
• By 2050: 50,303 · -7.1%
• By 2075: 44,789 · -17.3%
• By 2100: 36,676 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 14% Two or more races 5% Hispanic / Latino 5%
• Common ancestry: Slovak 2% Serbian 1% Iranian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Colbert

• 2024 margin: Solid R (+46.4) · D 26.4% · R 72.8%
• 2008→2024 swing: -26.2pp toward R · 2008: -20.3pp · 2024: -46.4pp
• All cycles: 2024: R+46.4 2020: R+38.9 2016: R+38.3 2012: R+20.4 2008: R+20.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -103.94%
• Current HPI: 174.6414
• Rent YoY: —
• Metro: —
• 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

-7.7% since first listed

20 events — show timeline

• 2026-05-02 Price Changed $143,000 VMLS
• 2026-05-02 Price Changed $143,000 SAARMLS
• 2026-04-20 Price Changed $144,000 VMLS
• 2026-04-20 Price Changed $144,000 SAARMLS
• 2026-04-01 Price Changed $145,000 VMLS
• 2026-04-01 Price Changed $149,900 VMLS
• 2026-04-01 Price Changed $145,000 VMLS
• 2026-04-01 Relisted — VMLS
• 2026-04-01 Relisted — SAARMLS
• 2026-04-01 Price Changed $145,000 SAARMLS
• 2026-02-19 Pending — VMLS
• 2026-02-19 Pending — SAARMLS
• 2026-02-07 Price Changed $149,900 SAARMLS
• 2026-02-07 Price Changed $149,900 VMLS
• 2026-01-24 Price Changed $152,900 SAARMLS
• 2026-01-24 Price Changed $152,900 VMLS
• 2026-01-07 Price Changed $153,900 SAARMLS
• 2026-01-07 Price Changed $153,900 VMLS
• 2025-12-30 Listed $154,900 VMLS
• 2025-12-26 Listed $154,900 SAARMLS

Property tax history

+6.3%/yr

Latest (2025): $588 · +6.3% YoY. Source: county tax records.