130 71st St N · Birmingham, AL 35206

$55,000

3 bd · 1.0 ba · 1,404 sqft · SingleFamily public records · 55 Days on market

Built 1930 10,018 sqft lot $39/sqft · 40% below area Est $91k · 40% under

---

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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

comps only

Key facts

• 0.23 acre lot
• Built 1930
• Listed 55 days

Property features AI

Finance

• Financial info: Down payment assistance available
• HOA & community: No association fee

Exterior

• Parking: Off-street parking; On-street parking
• Utilities: Public water; Connected sewer; Gas water heater; Internet availability unknown
• Home design: Existing property; Siding (other) exterior; Basement foundation
• Construction: Basement foundation; Siding exterior construction
• Exterior features: No pool; No patio or deck; No garden/patio; Not waterfront; Lot in flood plain: No

Interior

• Kitchen: Kitchen on main level
• Bedrooms: Master bedroom (main level); Additional bedrooms (main level)
• Flooring: Hardwood floors
• Bathrooms: One full bathroom
• Heating & cooling: No heating; No air conditioning
• Interior features: Handyman special; One woodburning fireplace in the living room (brick surround); Pull-down attic; Partial basement, fully finished with daylight exposure
• Laundry & utility: Laundry on main level; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $541 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $53k (3.0% below list) — sets the bar for market timing.
• Cap rate 18.1% vs local median 6.2% in Birmingham — 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 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, crime F, employment F.
• Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Barrett Elementary School (math 2% / reading 8%, grade F, #618 of 627 statewide, top 100%, 405 students, 88% FRL); Woodlawn High Schoolmagnet (math 2% / reading 2%, grade F, #291 of 305 statewide, top 100%, 738 students, 91% FRL).
• Market conditions: Rents rising (+1.8%/yr); 128 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 1.8% rent growth), your $15k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $45k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $53,350 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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.
7. 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.
8. 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: 2.09% ✓
• Cap rate: 18.10%
• Cash-on-cash: 42.16%
• DSCR: 2.88
• GRM: 4.0

CMA / ARV

• ARV (median comp): $91,051
• List price: $55,000
• Delta: -39.59%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
229 73rd St N	0.24mi	3/1.0	1,448 (+3%)	3mo	$157,000	$108	81
7028 1st Ave, Ave S	0.23mi	3/1.0	1,384 (-1%)	9mo	$62,000	$45	79
7105 3rd Ave N	0.08mi	3/2.0	1,231 (-12%)	11mo	$169,900	$138	63
7506 1st Ave S	0.48mi	4/1.0 (+1)	1,324 (-6%)	1mo	$60,000	$45	62
7321 1st Ave S	0.36mi	2/2.0 (-1)	1,442 (+3%)	10mo	$210,000	$146	61
7305 Division Ave	0.30mi	3/2.0	1,561 (+11%)	3mo	$177,900	$114	61
7405 4th Ave N	0.37mi	3/1.0	1,287 (-8%)	12mo	$20,000	$16	59
7209 1st Ave S	0.30mi	3/1.0	1,202 (-14%)	14mo	$123,000	$102	51
515 72nd St S	0.61mi	3/1.5	1,290 (-8%)	7mo	$105,500	$82	50
6616 4th Ave S	0.68mi	3/1.0	1,311 (-7%)	9mo	$105,000	$80	50
7112 3rd Ave S	0.39mi	3/2.0	1,590 (+13%)	10mo	$151,000	$95	47
7424 4th Ave S	0.59mi	3/2.0	1,269 (-10%)	10mo	$215,000	$169	44

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 · 1.82% rent growth · sell at horizon

5-year hold

• IRR: 37.5%
• Equity multiple: 2.57×
• Total profit: $24,209
• Equity at exit: $8,201

10-year hold

• IRR: 43.5%
• Equity multiple: 4.90×
• Total profit: $60,092
• Equity at exit: $4,755

Cash invested: $15,400 (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 35206

• Home prices YoY: -32.0%
• Rents YoY: 1.8%
• Active inventory: 128
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,147 high
• Mortgage (P&I): −$288
• Tax from tax record: −$54 /mo · $647/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $541

Break-even live

Break-even rent $462

Max offer price $55,000

Occupancy floor 48%

Sensitivity live

Price	-10% $572	-5% $557	+0% $541	+5% $525	+10% $510
Rent	-10% $450	-5% $496	+0% $541	+5% $586	+10% $632
Rate	-1.0pp $569	-0.5pp $555	base $541	+0.5pp $527	+1.0pp $512

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: $13,750
• Closing costs: $1,650
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
224 69th Pl N Birmingham, AL	3.0	1.0	894	$975	$1.09	44d	1	0.17mi
7017 Division Ave Birmingham, AL	3.0	1.0	1100	$1,050	$0.95	44d	1	0.22mi
6820 Division Ave Birmingham, AL	3.0	2.0	1122	$1,050	$0.94	24d	1	0.30mi
117 67th Pl N Birmingham, AL	3.0	1.0	1202	$800	$0.67	17d	1	0.34mi
201 70th St S Birmingham, AL	2.0	1.0	989	$950	$0.96	44d	1	0.38mi
7005 2nd Ave S Birmingham, AL	2.0	1.0	939	$950	$1.01	44d	1	0.38mi
7330 1st Ave S Birmingham, AL	3.0	1.0	1299	$1,000	$0.77	3d	1	0.39mi
126 66th Pl N Birmingham, AL	2.0	1.0	1038	$1,200	$1.16	15d	1	0.43mi
7129 3rd Ave S Birmingham, AL	3.0	2.0	1264	$1,095	$0.87	4d	1	0.46mi
7025 4th Ave S Birmingham, AL	3.0	1.0	1090	$845	$0.78	44d	1	0.54mi
7420 3rd Ave S Birmingham, AL	4.0	2.0	1705	$1,450	$0.85	2d	1	0.55mi
7125 6th Ave S Birmingham, AL	3.0	2.0	1584	$1,188	$0.75	4d	1	0.68mi
605 71st St S Birmingham, AL	3.0	1.5	1024	$1,303	$1.27	3d	1	0.69mi
7728 1st Ave S Apt C Birmingham, AL	2.0	1.0	950	$950	$1.00	44d	1	0.70mi
7721 1st Ave S Birmingham, AL	3.0	1.0	956	$949	$0.99	24d	1	0.72mi
7620 4th Ave S Birmingham, AL	3.0	1.0	1144	$1,025	$0.90	44d	1	0.74mi
6732 Frankfort Ave Birmingham, AL	3.0	1.0	924	$995	$1.08	44d	1	0.79mi
417 Athens Ave Birmingham, AL	3.0	1.5	978	$1,250	$1.28	24d	1	0.84mi
6309 3rd Ave S Birmingham, AL	4.0	2.0	1228	$1,495	$1.22	2d	1	0.89mi
7801 3rd Ave S Unit B Birmingham, AL	2.0	1.5	1100	$1,000	$0.91	44d	1	0.90mi
6936 66th St S Birmingham, AL	3.0	1.0	880	$1,050	$1.19	44d	1	0.93mi
7829 3rd Ave S Birmingham, AL	3.0	1.5	1005	$1,025	$1.02	44d	1	0.95mi
8020 4th Ave N Birmingham, AL	3.0	1.0	1200	$1,200	$1.00	44d	1	0.97mi
7815 4th Ave S Birmingham, AL	3.0	2.0	1496	$1,650	$1.10	2d	1	0.97mi
630 77th St S Birmingham, AL	2.0	2.0	1100	$983	$0.89	3d	1	0.99mi
8021 1st Ave S Unit A Birmingham, AL	3.0	1.0	980	$950	$0.97	24d	1	1.05mi
7213 Naples Ave Birmingham, AL	3.0	1.5	925	$1,100	$1.19	44d	1	1.10mi
7213 Naples Ave Birmingham, AL	3.0	1.5	937	$1,100	$1.17	12d	1	1.10mi
5811 2nd Ave N Birmingham, AL	2.0	1.0	1000	$1,200	$1.20	4d	1	1.10mi
7112 Naples Ave Birmingham, AL	4.0	2.0	1858	$1,731	$0.93	44d	1	1.13mi
8035 4th Ave S Birmingham, AL	3.0	2.0	1096	$1,050	$0.96	44d	1	1.18mi
7313 Paris Ave Birmingham, AL	3.0	2.0	1000	$1,395	$1.40	3d	1	1.18mi
756 Vanderbilt St Birmingham, AL	3.0	2.0	1096	$1,000	$0.91	44d	1	1.19mi
7216 Paris Ave Birmingham, AL	3.0	1.5	966	$1,125	$1.16	20d	1	1.19mi
8128 2nd Ave S Birmingham, AL	4.0	1.0	1390	$1,150	$0.83	24d	1	1.21mi
8129 2nd Ave S Unit B Birmingham, AL	2.0	1.0	900	$800	$0.89	44d	1	1.21mi
559 63rd St S Birmingham, AL	3.0	1.0	930	$1,000	$1.08	4d	1	1.22mi
7823 Rugby Ave Birmingham, AL	3.0	1.0	1023	$1,175	$1.15	44d	1	1.22mi
7827 Rugby Ave Birmingham, AL	3.0	1.0	1365	$850	$0.62	4d	1	1.23mi
8149 1st Ave S Birmingham, AL	3.0	2.0	1300	$1,200	$0.92	44d	1	1.23mi

Listing history 18 events

1. 2026-06-18
   days on market $55,000 Active 55 DOM
2. 2026-06-17
   days on market $55,000 Active 54 DOM
3. 2026-06-16
   days on market $55,000 Active 53 DOM
4. 2026-06-15
   days on market $55,000 Active 52 DOM
5. 2026-06-13
   days on market $55,000 Active 50 DOM
6. 2026-06-10
   days on market $55,000 Active 47 DOM
7. 2026-06-09
   days on market $55,000 Active 46 DOM
8. 2026-06-08
   days on market $55,000 Active 45 DOM
9. 2026-06-07
   days on market $55,000 Active 44 DOM
10. 2026-06-03
    days on market $55,000 Active 40 DOM
11. 2026-06-02
    days on market $55,000 Active 39 DOM
12. 2026-06-01
    days on market $55,000 Active 38 DOM
13. 2026-05-31
    days on market $55,000 Active 37 DOM
14. 2026-04-23
    listed $55,000 Active 127-char remark
15. 2024-06-26
    soldstatus $45,000
16. 2024-06-24
    soldstatus $45,000 10-char remark

    Show marketing remark (10 chars)

    comps only

17. 2024-06-17
    listed $45,000 10-char remark

    Show marketing remark (10 chars)

    comps only

18. 1992-11-18
    soldstatus $44,900

ⓘ 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: $647 · $54/mo
• Projected year-2 tax: $647 · $54/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 6/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 9 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,766
• − Mortgage interest: −$3,081
• − Property taxes: −$647
• − Insurance: −$275
• − Repairs & maintenance: −$1,101
• − Management: −$1,101
• − Depreciation: −$1,600
• Taxable income: $5,961
• Est. tax owed @ 24.0%: −$1,431
• After-tax cash flow: $5,062/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: Birmingham City
• NCES district ID: 0100390
• Math proficiency: 4% ▼ -17.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $31,988
• Composite: 9.49/100
• National rank: #9850
• State rank: #116 of 129 in AL

Livability — Birmingham

• Score: 67/100
• State rank: #78
• US rank: #10412

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Birmingham, AL
• County: Jefferson County · 527,445 people
• City population: 210,422
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 15,621
• Household income: $42,549
• Rent vs Own: 51.1% rent · 48.9% own
• Severe rent burden: 1169.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 669,185 people
• By 2030: 669,694 · +0.1%
• By 2040: 661,388 · -1.2%
• By 2050: 643,086 · -3.9%
• By 2075: 577,267 · -13.7%
• By 2100: 474,758 · -29.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (73%)
• Race & ethnicity: Black 73% White 22% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Slovak 1%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 0%

Political lean MEDSL · Jefferson

• 2024 margin: D (+10.4) · D 54.6% · R 44.2% · Other 1.2%
• 2008→2024 swing: +5.4pp toward D · 2008: 5.1pp · 2024: 10.4pp
• All cycles: 2024: D+10.4 2020: D+13.2 2016: D+7.2 2012: D+6.0 2008: D+5.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.70%
• Current HPI: 146.2168
• Rent YoY: ▲ 1.82%
• Metro: Birmingham-Hoover, 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

+22.5% since first listed

5 events — show timeline

• 2026-04-23 Listed $55,000 Greater Alabama MLS
• 2024-06-26 Sold (Public Records) $45,000 Public Records
• 2024-06-24 Sold (MLS) $45,000 Greater Alabama MLS
• 2024-06-17 Listed $45,000 Greater Alabama MLS
• 1992-11-18 Sold (Public Records) $44,900 Public Records

Property tax history

-0.7%/yr

Latest (2025): $647 · -46.5% YoY. Source: county tax records.