100 Whittemore Rd · Jasper, AL 35503

$189,900

4 bd · 2.0 ba · 1,791 sqft · Manufactured · 10 Days on market

Excellent condition 2.30 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
• Condition / age +5.0/5.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks

New Construction, Welcome to 100 Whittemore Road, this 2026 Mobile Home is a 4 bed 2 bath 1792 sq. ft. home on 2.3 acres can be your dream home, close to Smith Lake and Curry schools.

Key facts

• 2.3 acre lot
• Listed 10 days

Property features AI

Exterior

• Parking: No designated parking
• Utilities: Septic tank
• Home design: Residential mobile home; Entry level not specified; 2.3-acre lot
• Construction: Vinyl siding construction; Shingle roof
• Exterior features: Shingle roof; Vinyl siding; New construction

Interior

• Kitchen: Dishwasher; Refrigerator; Electric oven
• Flooring: Laminate
• Heating & cooling: Central heating (electric); Central cooling (electric)
• Interior features: Dishwasher; Refrigerator; Electric oven; Electric water heater
• Laundry & utility: Electric water heater

🏗️ New construction. The $189,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $198,801.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $190k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $1k ($18k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $190k).
• Cap rate 15.2% vs local median 3.8% in Jasper — 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 62/100 on livability (#228 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, crime F, amenities F.
• Walker County (rural): math 13% / reading 39% proficiency, ranked #89 of 129 in AL (top 69%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 109 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 36 units permitted in Walker County in 2024 (0 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 $6k of value loss. Plan a longer hold.
• Walker County population projected at -21% 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 $56k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $189,900

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: 1.81% ✓
• Cap rate: 15.15%
• Cash-on-cash: 31.64%
• DSCR: 2.41
• GRM: 4.6

CMA / ARV

• ARV (on-the-fly): $198,801
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
60 Whittemore Rd	0.03mi	3/2.0 (-1)	1,920 (+7%)	4mo	$214,000	$111	78

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.6%
• Equity multiple: 2.10×
• Total profit: $61,307
• Equity at exit: $29,642

10-year hold

• IRR: 34.2%
• Equity multiple: 4.13×
• Total profit: $173,959
• Equity at exit: $17,189

Cash invested: $55,664 (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 35503

• Home prices YoY: -26.8%
• Active inventory: 109
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $3,597 medium
• Mortgage (P&I): −$1,043
• Tax est. 1.5%: −$249 /mo · $2,982/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$755
• Net cashflow: $1,468

Break-even live

Break-even rent $1,739

Max offer price $198,801

Occupancy floor 54%

Sensitivity live

Price	-10% $1,605	-5% $1,536	+0% $1,468	+5% $1,399	+10% $1,330
Rent	-10% $1,183	-5% $1,325	+0% $1,468	+5% $1,610	+10% $1,752
Rate	-1.0pp $1,568	-0.5pp $1,518	base $1,468	+0.5pp $1,416	+1.0pp $1,364

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: $49,700
• Closing costs: $5,964
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
101 S Bay Dr Jasper, AL	3.0	2.0	1750	$2,925	$1.67	24d	1	0.69mi
9661 Curry Hwy #224 Jasper, AL	3.0	2.0	1450	$5,000	$3.45	44d	1	1.19mi

Listing history 9 events

1. 2026-06-18
   days on market $189,900 Active 10 DOM
2. 2026-06-17
   days on market $189,900 Active 9 DOM
3. 2026-06-16
   days on market $189,900 Active 8 DOM
4. 2026-06-15
   days on market $189,900 Active 7 DOM
5. 2026-06-13
   days on market $189,900 Active 5 DOM
6. 2026-06-13
   days on market $189,900 Active 4 DOM
7. 2026-06-10
   days on market $189,900 Active 2 DOM
8. 2026-06-09
   remarks 183-char remark
9. 2026-06-09
   listed $189,900 Active 1 DOM

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

Taxation est. · year 1

• Rental income: $43,160
• − Mortgage interest: −$11,136
• − Property taxes: −$2,982
• − Insurance: −$994
• − Repairs & maintenance: −$3,453
• − Management: −$3,453
• − Depreciation: −$5,783
• Taxable income: $15,359
• Est. tax owed @ 24.0%: −$3,686
• After-tax cash flow: $13,924/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 · 12 photos

Excellent 100/100 None rehab

This 2026 manufactured home is in excellent condition with modern finishes and a great location. It's move-in ready and ready to be customized for maximum value.

Value-add opportunities

• Both Landscaping improvements — Enhances curb appeal and adds value
• Both Painting exterior — Fresh paint can improve curb appeal and value
• Both Add smart home features — Modernizes home and adds value

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both Painting exterior — Fresh paint can improve curb appeal and value ↑
• Both Add smart home features — Modernizes home and adds value ↑

ⓘ 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: Walker County
• NCES district ID: 0103450
• Math proficiency: 13% ▼ -28.00%
• Reading proficiency: 39% ▼ -5.00%
• Median HH income: $36,664
• Composite: 21.51/100
• National rank: #8321
• State rank: #89 of 129 in AL

Livability — Jasper

• Score: 62/100
• State rank: #228
• US rank: #17152

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 9,927
• Population (ZIP): 9,601

Population outlook (Walker County) Hauer SSP2

• Today (2025): 61,037 people
• By 2030: 58,391 · -4.3%
• By 2040: 53,080 · -13.0%
• By 2050: 48,031 · -21.3%
• By 2075: 37,799 · -38.1%
• By 2100: 29,001 · -52.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 2% Black 1% Hispanic / Latino 1%
• Common ancestry: Slovak 2% Iranian 1% Scotch-Irish 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+71.8) · D 13.8% · R 85.6%
• 2008→2024 swing: -25.4pp toward R · 2008: -46.4pp · 2024: -71.8pp
• All cycles: 2024: R+71.8 2020: R+67.9 2016: R+67.4 2012: R+52.9 2008: R+46.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.26%
• Current HPI: 172.9286
• 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

1 event — show timeline

• 2026-06-05 Listed $189,900 Walker County Area MLS