161 Jackson St · Malcolm, AL 36556

$29,900

3 bd · 2.0 ba · 1,625 sqft · SingleFamily public records · 11 Days on market

Built 2007 0.30 ac lot

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks

This 3 bed 2 bath all brick home located in Malcom, AL is ready for new owners! This house has a breakfast bar in the kitchen as well as a separate dining area for family gatherings. The walk in closets have plenty of space for all of your things. There is a patio, great for outdoor grilling and enjoying the beautiful weather. Call your favorite Real Estate Agent today to schedule your showing.

Key facts

• Walk in closets
• Patio
• Breakfast bar

Tags

• BREAKFAST BAR
• SEPARATE DINING AREA
• WALK IN CLOSETS
• PATIO

Property features AI

Exterior

• Parking: No designated parking
• Utilities: Electricity available (110 volts); Septic tank
• Home design: Residential single family residence; Built in 2007; Shingle roof; Slab foundation
• Construction: Shingle roof; Slab foundation
• Exterior features: Private yard; No fencing; Has a view; No waterfront

Interior

• Kitchen: Refrigerator; Breakfast bar; Pantry
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Walk-in closets; Separate dining room; Breakfast bar; Pantry; No basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $30k.

Deal economics

• At list price, monthly cash flow is $762 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $30k).

Location & tenants

• Location reads 57/100 on livability (#387 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute F.
• Washington County (rural): math 13% / reading 44% proficiency, ranked #76 of 129 in AL (top 59%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 1 active listings in the ZIP.

Forward outlook

• In year one you build about $1k of equity ($207 loan paydown + $897 appreciation (3.0% local appreciation)).
• Washington County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 11 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; 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 $29,900

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. 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?
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: 4.08% ✓
• Cap rate: 36.87%
• Cash-on-cash: 109.22%
• DSCR: 5.86
• GRM: 2.0

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: —
• Equity multiple: 7.23×
• Total profit: $52,148
• Equity at exit: $13,444

10-year hold

• IRR: —
• Equity multiple: 15.05×
• Total profit: $117,653
• Equity at exit: $20,719

Cash invested: $8,372 (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 36556

• Active inventory: 1
• Price-to-rent: 2.0×

Monthly cashflow live

• Estimated rent: $1,220 medium
• Mortgage (P&I): −$157
• Tax from tax record: −$33 /mo · $393/yr
• Insurance: −$12
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $762

Break-even live

Break-even rent $256

Max offer price $29,900

Occupancy floor 33%

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: $7,475
• Closing costs: $897
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-12
   statusdays on market $29,900 Pending 11 DOM
2. 2026-06-09
   days on market $29,900 Active 8 DOM
3. 2026-06-08
   days on market $29,900 Active 7 DOM
4. 2026-06-07
   days on market $29,900 Active 6 DOM
5. 2026-06-07
   days on market $29,900 Active 5 DOM
6. 2026-06-04
   days on market $29,900 Active 2 DOM
7. 2026-06-02
   remarks 397-char remark
8. 2026-06-02
   listed $29,900 Active 1 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: $393 · $33/mo
• Projected year-2 tax: $393 · $33/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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,643
• − Mortgage interest: −$1,675
• − Property taxes: −$393
• − Insurance: −$150
• − Repairs & maintenance: −$1,171
• − Management: −$1,171
• − Depreciation: −$870
• Taxable income: $9,213
• Est. tax owed @ 24.0%: −$2,211
• After-tax cash flow: $6,933/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: Washington County
• NCES district ID: 0103480
• Math proficiency: 13% ▼ -23.00%
• Reading proficiency: 44% ▲ 1.00%
• Median HH income: $40,168
• Composite: 23.9/100
• National rank: #7791
• State rank: #76 of 129 in AL

Livability — Malcolm

• Score: 57/100
• State rank: #387
• US rank: #21955

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Malcolm, AL

Population outlook (Washington County) Hauer SSP2

• Today (2025): 15,750 people
• By 2030: 15,072 · -4.3%
• By 2040: 13,638 · -13.4%
• By 2050: 12,241 · -22.3%
• By 2075: 9,825 · -37.6%
• By 2100: 8,379 · -46.8%

Not yet ingested

• Political lean: —
• Race & ethnicity: —
• Common origin: —
• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

-77.8% since first listed

2 events — show timeline

• 2026-06-01 Listed $29,900 GCMLS AL
• 2024-06-19 Price Changed $134,900 GCMLS AL

Property tax history

+1.9%/yr

Latest (2025): $393 · +0.0% YoY. Source: county tax records.