114 Fairlane Dr · Eufaula, AL 36027

$159,900

3 bd · 1.5 ba · 1,325 sqft · SingleFamily · 2 Days on market

Built 1973 Fair condition 0.30 ac lot $121/sqft · at area comps Est $158k · at est.

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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).

• ARV discount +7.1/15.0
• Cash flow +7.0/30.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• 1% rule +1.9/10.0
• Schools +1.5/10.0
• DSCR +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3-bedroom, 1.5-bath brick home offering comfortable living in a convenient location. The property currently has a tenant in place, making it a great opportunity for investors seeking immediate rental income.

Key facts

• Huge backyard
• One year old roof
• 55 x 14 back patio

Tags

• 55 X 14 BACK PATIO
• HUGE BACKYARD
• ONE YEAR OLD ROOF

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $160k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-233 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $126k (21.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (30.9% below list).
• Recommended offer: $110k (30.9% below list) — sets the bar for 1% rule.
• Cap rate 4.5% vs local median 2.7% in Eufaula — 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 51/100 on livability (#508 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute F.
• Eufaula City (rural): math 10% / reading 38% proficiency, ranked #100 of 129 in AL (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Eufaula Primary School (661 students, 59% FRL); Moorer Middle School (math 6% / reading 25%, grade F, #204 of 257 statewide, top 80%, 538 students, 64% FRL); Eufaula High School (math 12% / reading 17%, grade F, #220 of 305 statewide, top 77%, 717 students, 58% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: 238 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 34 units permitted in Barbour 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 $5k of value loss. Plan a longer hold.
• Barbour County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $110,438 (30.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.69% ✗
• Cap rate: 4.55%
• Cash-on-cash: -6.23%
• DSCR: 0.72
• GRM: 12.1

CMA / ARV

• ARV (median comp): $158,393
• List price: $159,900
• Delta: 0.95%
• Verdict: FAIR
• Comps: 8 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
104 Imperial Dr	0.09mi	3/1.5	1,375 (+4%)	4mo	$41,100	$30	86
417 Kent Dr	0.11mi	3/1.5	1,351 (+2%)	20mo	$60,000	$44	75
191 Scenic Dr	1.41mi	3/2.0	1,375 (+4%)	3mo	$205,000	$149	54
102 Oakland Ave	1.13mi	4/2.0 (+1)	1,248 (-6%)	11mo	$116,500	$93	39
606 W Barbour St	1.45mi	3/2.0	1,362 (+3%)	23mo	$161,000	$118	39
201 Irwinton Dr	0.66mi	3/2.0	1,550 (+17%)	21mo	$195,000	$126	25
543 Broad	1.48mi	2/1.5 (-1)	1,175 (-11%)	30mo	$145,000	$123	21

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: -27.0%
• Equity multiple: 0.09×
• Total profit: $-40,707
• Equity at exit: $23,842

10-year hold

• IRR: -24.7%
• Equity multiple: -0.22×
• Total profit: $-54,453
• Equity at exit: $13,825

Cash invested: $44,772 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 4 active
• Months of supply: 24.0 mo (4%/mo absorbed)
• Median asking: $127,000 ($89/sqft)
• Median days on market: 95 d
• This list price: 100% of active listings are priced below it
• ARV vs active asking: +34.3% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 36027

• Home prices YoY: -27.1%
• Active inventory: 238
• Price-to-rent: 12.1×

Monthly cashflow live

• Estimated rent: $1,104 medium
• Mortgage (P&I): −$839
• Tax est. 1.5%: −$200 /mo · $2,398/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$232
• Net cashflow: $-233

Break-even live

Break-even rent $1,399

Max offer price $126,246

Occupancy floor —

Sensitivity live

Price	-10% $-122	-5% $-177	+0% $-233	+5% $-288	+10% $-343
Rent	-10% $-320	-5% $-276	+0% $-233	+5% $-189	+10% $-145
Rate	-1.0pp $-152	-0.5pp $-192	base $-233	+0.5pp $-274	+1.0pp $-316

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: $39,975
• Closing costs: $4,797
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
416 W Washington St Eufaula, AL	3.0	2.0	1452	$1,200	$0.83	70d	1	1.20mi
338 W Barbour St Eufaula, AL	2.0	2.0	1160	$985	$0.85	70d	1	1.43mi

Property features AI

Exterior

• Utilities: Public waterPublic sewer
• Home design: Single-family residenceOne story
• Construction: Brick constructionComposition roof
• Exterior features: Covered patio and porchChain-link fencing

Interior

• Kitchen: CooktopRangeRefrigeratorMicrowaveOven
• Bathrooms: 1 full bathroom1 half bathroom
• Heating & cooling: Forced air heating
• Interior features: Wood-burning fireplaceAccessible entrance
• Laundry & utility: Indoor laundry

Listing history 42 events

1. 2026-08-08
   days on market $159,900 Active 2 DOM
2. 2026-08-07
   remarks 699-char remark
3. 2026-08-07
   pricedays on marketlisting id $159,900 Active 1 DOM
4. 2026-07-15
   days on market $80,000 Active 110 DOM
5. 2026-07-14
   days on market $80,000 Active 109 DOM
6. 2026-07-13
   days on market $80,000 Active 108 DOM
7. 2026-07-12
   days on market $80,000 Active 107 DOM
8. 2026-07-12
   days on market $80,000 Active 106 DOM
9. 2026-07-11
   days on market $80,000 Active 105 DOM
10. 2026-07-09
    days on market $80,000 Active 104 DOM
11. 2026-07-09
    days on market $80,000 Active 103 DOM
12. 2026-07-07
    days on market $80,000 Active 102 DOM
13. 2026-07-06
    days on market $80,000 Active 101 DOM
14. 2026-07-05
    days on market $80,000 Active 100 DOM
15. 2026-07-04
    days on market $80,000 Active 99 DOM
16. 2026-07-03
    days on market $80,000 Active 98 DOM
17. 2026-07-02
    days on market $80,000 Active 97 DOM
18. 2026-07-01
    days on market $80,000 Active 96 DOM
19. 2026-06-30
    days on market $80,000 Active 95 DOM
20. 2026-06-29
    days on market $80,000 Active 94 DOM
21. 2026-06-28
    days on market $80,000 Active 93 DOM
22. 2026-06-27
    days on market $80,000 Active 92 DOM
23. 2026-06-26
    days on market $80,000 Active 90 DOM
24. 2026-06-22
    days on market $80,000 Active 87 DOM
25. 2026-06-21
    days on market $80,000 Active 86 DOM
26. 2026-06-19
    days on market $80,000 Active 84 DOM
27. 2026-06-18
    days on market $80,000 Active 83 DOM
28. 2026-06-17
    days on market $80,000 Active 82 DOM
29. 2026-06-16
    days on market $80,000 Active 81 DOM
30. 2026-06-15
    days on market $80,000 Active 80 DOM
31. 2026-06-14
    days on market $80,000 Active 78 DOM
32. 2026-06-12
    days on market $80,000 Active 77 DOM
33. 2026-06-09
    days on market $80,000 Active 74 DOM
34. 2026-06-08
    days on market $80,000 Active 73 DOM
35. 2026-06-07
    days on market $80,000 Active 72 DOM
36. 2026-06-07
    days on market $80,000 Active 71 DOM
37. 2026-06-04
    days on market $80,000 Active 68 DOM
38. 2026-06-02
    days on market $80,000 Active 67 DOM
39. 2026-06-01
    days on market $80,000 Active 66 DOM

    Show marketing remark (245 chars)

    Charming 3-bedroom, 1.5-bath brick home offering comfortable living in a convenient location. The property currently has a tenant in place, making it a great opportunity for investors seeking immediate rental income. Seller is a licensed Realtor

40. 2026-05-31
    days on market $80,000 Active 65 DOM
41. 2026-05-31
    days on market $80,000 Active 64 DOM
42. 2026-03-27
    listed $80,000 Active 245-char remark

    Show marketing remark (245 chars)

    Charming 3-bedroom, 1.5-bath brick home offering comfortable living in a convenient location. The property currently has a tenant in place, making it a great opportunity for investors seeking immediate rental income. Seller is a licensed Realtor

ⓘ 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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,253
• − Mortgage interest: −$8,957
• − Property taxes: −$2,398
• − Insurance: −$800
• − Repairs & maintenance: −$1,060
• − Management: −$1,060
• − Depreciation: −$4,652
• Taxable loss: −$5,674
• Est. tax savings @ 24.0%: +$1,362
• After-tax cash flow: $-1,429/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 · 1 photo

Fair 45/100 Moderate rehab Est. rehab $33,125–$59,625 screening

This charming 3-bedroom home requires moderate renovations to improve its curb appeal and structural integrity, making it a solid investment opportunity.

Repairs flagged

• Major roof shingles — Signs of aging
• Major exterior brick — Weathered appearance
• Major landscaping — Overgrown and untended

Value-add opportunities

• Both paint interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both repair roof shingles — A new roof improves structural integrity and appearance ↑
• Both landscape and trim exterior — A well-maintained exterior boosts curb appeal and property value ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 15/100

Zoned Schools

Elementary Eufaula Primary School Middle Moorer Middle School F AL #204/257 Nat'l #12,557/14,009 High Eufaula High School F AL #220/305 Nat'l #15,534/17,239

Schools (NCES district)

• District: Eufaula City
• NCES district ID: 0101410
• Math proficiency: 10% ▼ -13.00%
• Reading proficiency: 38% ▲ 4.00%
• Median HH income: $34,467
• Composite: 19.63/100
• National rank: #8743
• State rank: #100 of 129 in AL

D Composite livability gradescore 51/100

Livability — Eufaula

• Score: 51/100
• State rank: #508
• US rank: #25138

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eufaula, AL
• County: Barbour · 24,533 people
• Population (ZIP): 14,981
• Household income: $45,544
• Rent vs Own: 34.0% rent · 66.0% own
• Severe rent burden: 5% of renters

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Population outlook (Barbour County) Hauer SSP2

• Today (2025): 24,533 people
• By 2030: 23,439 · -4.5%
• By 2040: 21,129 · -13.9%
• By 2050: 18,982 · -22.6%
• By 2075: 14,114 · -42.5%
• By 2100: 9,180 · -62.6%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 46% White 43% Hispanic / Latino 7% Two or more races 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 1% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7%

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Political lean MEDSL · Barbour

• 2024 margin: R (+14.7) · D 42.3% · R 57.0%
• 2008→2024 swing: -13.3pp toward R · 2008: -1.4pp · 2024: -14.7pp
• All cycles: 2024: R+14.7 2020: R+7.7 2016: R+5.6 2012: D+2.9 2008: R+1.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.42%
• Current HPI: 151.8238
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

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Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Property features AI

Exterior

• Utilities: Public waterPublic sewer
• Home design: Single-family residenceOne story
• Construction: Brick constructionComposition roof
• Exterior features: Covered patio and porchChain-link fencing

Interior

• Kitchen: CooktopRangeRefrigeratorMicrowaveOven
• Bathrooms: 1 full bathroom1 half bathroom
• Heating & cooling: Forced air heating
• Interior features: Wood-burning fireplaceAccessible entrance
• Laundry & utility: Indoor laundry

Price history

+99.9% since first listed

3 events — show timeline

• 2026-08-06 Listed $159,900 EBOR
• 2026-06-01 Sold (MLS) — EBOR
• 2026-03-27 Listed $80,000 EBOR