2220 Sybel Dr · Mobile, AL 36693

$179,000

3 bd · 1.0 ba · 1,154 sqft · SingleFamily public records · 13 Days on market

Built 1988 0.46 ac lot Est $132k · 36% over

---

Why this score? — see what drove the F 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 +14.7/30.0
• DSCR +4.5/10.0
• Livability +3.8/5.0
• 1% rule +3.1/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

This well-maintained 3-bedroom, 1-bath, ranch-style home offers comfortable living with plenty of space to enjoy. The large kitchen provides ample room for cooking and gathering, while the over sized laundry room adds extra convenience and storage. Step outside to the spacious screened porch overlooking a beautiful backyard, perfect for entertaining guests, enjoying morning coffee, or relaxing after a long day. Conveniently located near shopping, schools, parks and everyday amenities. New Fortified roof replaced in December 2025 offering added durability, potential insurance sayings, and peace of mind for the new owners. Don't miss the opportunity to make this inviting property your own!

Key facts

• Large kitchen
• Beautiful backyard
• 0.46 acre lot

Tags

• LARGE KITCHEN
• OVER SIZED LAUNDRY ROOM
• SPACIOUS SCREENED PORCH
• BEAUTIFUL BACKYARD

Property features AI

Exterior

• Parking: Carport (1 space)
• Utilities: Water available; Public sewer; Electric: 110 volts and 220 volts
• Home design: Single Family Residence; Residential property; Located in Terrace Hills subdivision
• Construction: Concrete construction; Shingle roof; Built in 1988; Slab foundation
• Exterior features: No notable exterior features; No fencing; Shed(s); View

Interior

• Kitchen: Dishwasher
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Other; No fireplace; Eat-in kitchen

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $179k.

Deal economics

• At list price, monthly cash flow is $46 ($555/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 $145k (19.0% below list).
• Recommended offer: $145k (19.0% below list) — sets the bar for 1% rule.
• Cap rate 6.6% 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: Olive J Dodge Elementary School (math 6% / reading 35%, grade F, #453 of 627 statewide, top 72%, 875 students, 67% FRL); Wp Davidson High School (math 36% / reading 41%, grade F, #37 of 305 statewide, top 12%, 1,535 students, 61% FRL) — zoned schools at 64% FRL track the district average.
• Market conditions: Rents flat; 142 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,678 units permitted in Mobile County in 2024 (264 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 $5k 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.

Negotiation context

• Only 13 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; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,073 (19.0% 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. 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.81% ✗
• Cap rate: 6.60%
• Cash-on-cash: 1.11%
• DSCR: 1.05
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $131,556
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1005 Oakland Dr	0.44mi	2/1.0 (-1)	1,188 (+3%)	0mo	$145,000	$122	69
661 Raines Dr	0.69mi	3/1.5	1,134 (-2%)	1mo	$122,000	$108	62
716 Ynestra Dr	0.55mi	3/2.0	1,161 (+1%)	9mo	$136,000	$117	62
4275 Raines Dr	0.70mi	3/1.0	1,107 (-4%)	2mo	$172,000	$155	59
704 Raines Dr	0.61mi	3/1.0	1,080 (-6%)	7mo	$90,000	$83	55
1919 Wildwood Pl	0.74mi	3/2.0	1,104 (-4%)	1mo	$199,000	$180	53
4300 Iwo Jima Dr N	0.51mi	3/2.0	1,120 (-3%)	17mo	$185,000	$165	53
4213 Malibar Dr	0.64mi	3/1.0	1,032 (-11%)	1mo	$85,000	$82	51
2309 East Rd	0.46mi	3/1.0	1,272 (+10%)	14mo	$115,131	$91	50
689 Tarawa Dr	0.60mi	3/1.5	1,053 (-9%)	7mo	$89,000	$85	49
677 Tarawa Dr	0.64mi	2/1.5 (-1)	1,277 (+11%)	21mo	$145,000	$114	28
657 University Blvd S	0.70mi	3/1.5	1,323 (+15%)	17mo	$150,000	$113	26

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 · 0.24% rent growth · sell at horizon

5-year hold

• IRR: -17.4%
• Equity multiple: 0.40×
• Total profit: $-30,045
• Equity at exit: $26,689

10-year hold

• IRR: -14.9%
• Equity multiple: 0.24×
• Total profit: $-37,848
• Equity at exit: $15,477

Cash invested: $50,120 (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 36693

• Home prices YoY: -28.1%
• Rents YoY: 0.2%
• Active inventory: 142
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,451 high
• Mortgage (P&I): −$939
• Tax from tax record: −$87 /mo · $1,039/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $46

Break-even live

Break-even rent $1,392

Max offer price $179,000

Occupancy floor 92%

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4242 Marmora Dr Mobile, AL	3.0	1.5	1053	$1,500	$1.42	43d	1	0.54mi
4213 Malibar Dr Mobile, AL	3.0	1.0	1100	$1,458	$1.33	20d	1	0.62mi
4077 Lancewood Dr S Mobile, AL	4.0	1.0	1283	$1,600	$1.25	43d	1	0.75mi
654 Ynestra Dr Mobile, AL	3.0	1.5	1134	$1,300	$1.15	13d	1	0.76mi
4161 Rebecca Rd Mobile, AL	3.0	1.0	1214	$1,500	$1.24	13d	1	0.84mi
552 Tamworth Ct Mobile, AL	3.0	1.0	1100	$1,450	$1.32	43d	1	0.96mi
550 Tamworth Ct Mobile, AL	3.0	1.0	1000	$1,295	$1.29	43d	1	0.98mi
5155 Ridgedale Rd Mobile, AL	3.0	1.5	1263	$1,400	$1.11	13d	1	1.12mi
4057 Gaylark Rd N Mobile, AL	3.0	1.0	1080	$1,275	$1.18	20d	1	1.20mi
4273 Vega Dr Mobile, AL	3.0	1.5	1300	$1,600	$1.23	43d	1	1.23mi
1651 Knollwood Dr Mobile, AL	1.0–2.0	1.0–2.0	835	$1,247	$1.49	13d	16	1.23mi
4118 Seabreeze Rd N Mobile, AL	3.0	1.0	1088	$1,100	$1.01	43d	1	1.30mi
3993 Cottage Hill Rd Mobile, AL	2.0	1.5	1150	$895	$0.78	43d	1	1.33mi
833 S University Blvd Mobile, AL	1.0–2.0	1.0–2.0	855	$1,190	$1.39	13d	12	1.35mi
701 S University Blvd Mobile, AL	2.0	1.0	692	$1,093	$1.58	20d	10	1.48mi

Listing history 11 events

1. 2026-06-18
   days on market $179,000 Active 13 DOM
2. 2026-06-17
   days on market $179,000 Active 12 DOM
3. 2026-06-16
   days on market $179,000 Active 11 DOM
4. 2026-06-15
   days on market $179,000 Active 10 DOM
5. 2026-06-14
   days on market $179,000 Active 8 DOM
6. 2026-06-13
   days on market $179,000 Active 7 DOM
7. 2026-06-10
   days on market $179,000 Active 5 DOM
8. 2026-06-09
   days on market $179,000 Active 4 DOM
9. 2026-06-08
   days on market $179,000 Active 3 DOM
10. 2026-06-07
    remarks 699-char remark
11. 2026-06-07
    listed $179,000 Active 2 DOM

ⓘ 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: $1,039 · $87/mo
• Projected year-2 tax: $1,039 · $87/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 3/10 Moderate
• 🌡 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,409
• − Mortgage interest: −$10,027
• − Property taxes: −$1,039
• − Insurance: −$895
• − Repairs & maintenance: −$1,393
• − Management: −$1,393
• − Depreciation: −$5,207
• Taxable loss: −$2,545
• Est. tax savings @ 24.0%: +$611
• After-tax cash flow: $1,165/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): 18,726
• Household income: $68,933
• Rent vs Own: 30.1% rent · 69.9% own
• Severe rent burden: 498.0

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 White (65%)
• Race & ethnicity: White 65% Black 23% Hispanic / Latino 5% Asian 4% Two or more races 4%
• Common ancestry: Slovak 4% Italian 3% Serbian 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 90% English-only · Spanish 4% Tagalog/Filipino 2% Vietnamese 1%

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: ▼ -71.22%
• Current HPI: 182.6406
• Rent YoY: ▲ 0.24%
• 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

+2.3% since first listed

2 events — show timeline

• 2026-06-06 Price Changed $179,000 GCMLS AL
• 2026-06-05 Listed $175,000 GCMLS AL

Property tax history

+9.5%/yr

Latest (2025): $1,039 · +6.9% YoY. Source: county tax records.