18075 Movico Loop E · Movico, AL 36560

$110,000

3 bd · 2.0 ba · 1,456 sqft · SingleFamily public records · 134 Days on market

Built 1984 0.34 ac lot $76/sqft · 215% above area ↓ 28% 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 +23.2/30.0
• Appreciation +8.0/10.0
• DSCR +7.5/10.0
• ARV discount +7.5/15.0
• 1% rule +6.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

This 3 bedroom, 2 bath home a blend of comfort and tranquility. Situated on a spacious lot, this property provides an oasis of peaceful bliss, relaxing evenings or weekend gatherings. Inside you'll find a warm and inviting layout designed for both comfort and functionality. The cozy living spaces flow seamlessly, creating an ideal setting for family living or entertaining guests. With three well appointed bedrooms and 2 full baths, there's room for everyone to feel right at home. Buyer to verify all measurements and any other listing information that they deem important to the buyer's satisfaction during inspection contingency period. Buyer to verify all information during due diligence.

Key facts

• 0.34 acre lot
• Built 1984
• Listed 134 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $200 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#184 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime A, employment B; Watch: amenities F, commute F, health & safety F.
• 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.
• Market conditions: 26 active listings in the ZIP; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($761 loan paydown + $7k appreciation (6.1% local appreciation)).
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (6.1% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 134 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $25k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 134 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. 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: 1.10% ✓
• Cap rate: 8.47%
• Cash-on-cash: 7.78%
• DSCR: 1.35
• GRM: 7.5

CMA / ARV

• ARV (median comp): $35,378
• List price: $110,000
• Delta: 210.93%
• Verdict: OVERPRICED
• Comps: 6 within 2.0 mi

Projected returns pro-forma

6.07% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.9%
• Equity multiple: 2.46×
• Total profit: $44,949
• Equity at exit: $69,630

10-year hold

• IRR: 20.9%
• Equity multiple: 4.97×
• Total profit: $122,170
• Equity at exit: $126,687

Cash invested: $30,800 (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 36560

• Home prices YoY: 4.7%
• Active inventory: 26
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,215 medium
• Mortgage (P&I): −$577
• Tax est. 1.5%: −$138 /mo · $1,650/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$255
• Net cashflow: $200

Break-even live

Break-even rent $962

Max offer price $110,000

Occupancy floor 79%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-18
   days on market $110,000 Active 134 DOM
2. 2026-06-17
   days on market $110,000 Active 133 DOM
3. 2026-06-16
   days on market $110,000 Active 132 DOM
4. 2026-06-15
   days on market $110,000 Active 131 DOM
5. 2026-06-14
   days on market $110,000 Active 129 DOM
6. 2026-06-13
   days on market $110,000 Active 128 DOM
7. 2026-06-10
   days on market $110,000 Active 126 DOM
8. 2026-06-09
   days on market $110,000 Active 125 DOM
9. 2026-06-08
   days on market $110,000 Active 124 DOM
10. 2026-06-07
    days on market $110,000 Active 123 DOM
11. 2026-06-05
    remarks 699-char remark
12. 2026-06-05
    pricedays on market $110,000 Active 120 DOM
13. 2026-06-03
    days on market $115,000 Active 119 DOM
14. 2026-06-02
    days on market $115,000 Active 118 DOM
15. 2026-06-01
    days on market $115,000 Active 117 DOM
16. 2026-05-31
    days on market $115,000 Active 116 DOM
17. 2026-05-30
    days on market $115,000 Active 115 DOM
18. 2026-04-09
    price $115,000 696-char remark

    Show marketing remark (696 chars)

    This 3 bedroom, 2 bath home a blend of comfort and tranquility. Situated on a spacious lot, this property provides an oasis of peaceful bliss, relaxing evenings or weekend gatherings. Inside you'll find a warm and inviting layout designed for both comfort and functionality. The cozy living spaces flow seamlessly, creating an ideal setting for family living or entertaining guests. With three well appointed bedrooms and 2 full baths, there's room for everyone to feel right at home. Buyer to verify all measurements and any other listing information that they deem important to the buyer's satisfaction during inspection contingency period. Buyer to verify all information during due diligence.

19. 2026-02-05
    listed $135,000 Active 696-char remark

    Show marketing remark (696 chars)

    This 3 bedroom, 2 bath home a blend of comfort and tranquility. Situated on a spacious lot, this property provides an oasis of peaceful bliss, relaxing evenings or weekend gatherings. Inside you'll find a warm and inviting layout designed for both comfort and functionality. The cozy living spaces flow seamlessly, creating an ideal setting for family living or entertaining guests. With three well appointed bedrooms and 2 full baths, there's room for everyone to feel right at home. Buyer to verify all measurements and any other listing information that they deem important to the buyer's satisfaction during inspection contingency period. Buyer to verify all information during due diligence.

20. 2025-09-02
    price $154,000
21. 2025-08-06
    listed $159,000 Active

ⓘ 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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 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: $14,581
• − Mortgage interest: −$6,162
• − Property taxes: −$1,650
• − Insurance: −$550
• − Repairs & maintenance: −$1,166
• − Management: −$1,166
• − Depreciation: −$3,200
• Taxable income: $686
• Est. tax owed @ 24.0%: −$165
• After-tax cash flow: $2,232/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 — Movico

• Score: 63/100
• State rank: #184
• US rank: #15445

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Movico, AL
• Population (ZIP): 3,000

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: Black 47% White 25% Two or more races 19% Native American 9%
• Common ancestry: Lithuanian 1%
• Foreign-born: 0% · Canada

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: ▲ 6.07%
• Current HPI: 136.3161
• 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

-27.7% since first listed

4 events — show timeline

• 2026-04-09 Price Changed $115,000 BCAR
• 2026-02-05 Listed $135,000 BCAR
• 2025-09-02 Price Changed $154,000 BCAR
• 2025-08-06 Listed $159,000 BCAR

Property tax history

+1.7%/yr

Latest (2018): $174 · +0.0% YoY. Source: county tax records.