925 41st Street Ensley · Birmingham, AL 35208

$95,000

2 bd · 1.0 ba · 1,228 sqft · SingleFamily public records · 2 Days on market

Built 1947 6,098 sqft lot Est $87k · 9% over

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Why this score? — see what drove the D+ 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 +21.9/30.0
• DSCR +7.0/10.0
• 1% rule +5.9/10.0
• Rent growth +4.3/5.0
• ARV discount +3.5/15.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Call your investors. This home is vacant and ready to move into. Fenced backyard. All one level.

Key facts

• One level
• Fenced backyard
• 6,098 sq ft lot

Tags

• FENCED BACKYARD
• ONE LEVEL

Property features AI

Finance

• HOA & community: No association fee

Exterior

• Parking: On-street parking
• Utilities: Public water; Connected sewer; Gas water heater; Internet service available
• Home design: Existing single-family residence; Crawl space foundation
• Construction: Siding (other) exterior construction
• Exterior features: Fenced yard; Open patio; Interior, irregular lot with some trees

Interior

• Kitchen: Eating area; Laminate countertops
• Bedrooms: Two bedrooms, both on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom with tub/shower combo
• Heating & cooling: Gas heating; Window air conditioning units; Ceiling fans
• Interior features: Ceilings described as other (see remarks); No additional built-in interior features listed; Window treatments remain
• Laundry & utility: Main-level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $150 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Cap rate 8.2% 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-, schools F, crime 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.
• Market conditions: Rents rising fast (+7.2%/yr); 122 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% 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).
• This rent runs 32% of the median local income ($39k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k 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 + 7.2% rent growth), your $27k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

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

Risks & watch-outs

• Watch-outs: built in 1947 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% 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 $95,000

Questions for the listing agent

1. Built in 1947 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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?
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: 1.09% ✓
• Cap rate: 8.19%
• Cash-on-cash: 6.77%
• DSCR: 1.30
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $87,188
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
821 46th St	0.24mi	3/1.0 (+1)	1,254 (+2%)	0mo	$116,000	$93	80
1205 41st Street Ensley	0.35mi	3/1.0 (+1)	1,204 (-2%)	2mo	$125,000	$104	74
1031 40th St	0.18mi	3/1.0 (+1)	1,130 (-8%)	1mo	$76,000	$67	72
513 Lloyd Noland Pkwy	0.42mi	3/1.5 (+1)	1,212 (-1%)	3mo	$77,900	$64	69
1112 47th St	0.45mi	2/1.0	1,166 (-5%)	5mo	$83,000	$71	67
940 47th Street Ensley	0.28mi	3/1.0 (+1)	1,100 (-10%)	0mo	$49,000	$45	64
1515 35th St	0.72mi	3/1.5 (+1)	1,205 (-2%)	1mo	$80,000	$66	55
1341 41st St	0.51mi	3/1.0 (+1)	1,340 (+9%)	5mo	$106,000	$79	52
5219 Court G	0.63mi	3/1.0 (+1)	1,140 (-7%)	4mo	$47,000	$41	50
314 43rd St	0.67mi	2/1.0	1,068 (-13%)	5mo	$53,500	$50	43
1523 44th St E	0.73mi	3/2.0 (+1)	1,307 (+6%)	5mo	$133,000	$102	42
1037 W 51st St	0.62mi	3/2.0 (+1)	1,392 (+13%)	3mo	$174,000	$125	37

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 · 7.24% rent growth · sell at horizon

5-year hold

• IRR: -1.2%
• Equity multiple: 0.95×
• Total profit: $-1,218
• Equity at exit: $14,165

10-year hold

• IRR: 12.6%
• Equity multiple: 2.20×
• Total profit: $31,922
• Equity at exit: $8,214

Cash invested: $26,600 (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 35208

• Home prices YoY: -18.1%
• Rents YoY: 7.2%
• Active inventory: 122
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,033 high
• Mortgage (P&I): −$498
• Tax from tax record: −$128 /mo · $1,541/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$217
• Net cashflow: $150

Break-even live

Break-even rent $843

Max offer price $95,000

Occupancy floor 80%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
931 41st Street Ensley Birmingham, AL	2.0	1.5	1048	$995	$0.95	3d	1	0.04mi
1309 41st St Fairfield, AL	3.0	1.0	1070	$1,200	$1.12	43d	1	0.11mi
621 Valley Rd Fairfield, AL	2.0	1.0	935	$900	$0.96	43d	1	0.23mi
813 46th St Fairfield, AL	2.0	1.0	1100	$825	$0.75	10d	1	0.23mi
920 47th Street Ensley Birmingham, AL	3.0	1.0	1070	$895	$0.84	3d	1	0.25mi
728 41st St Fairfield, AL	3.0	1.0	1316	$1,100	$0.84	43d	1	0.29mi
708 40th St Fairfield, AL	2.0	1.0	788	$650	$0.82	43d	1	0.33mi
1037 47th Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1299	$1,000	$0.77	43d	1	0.38mi
5001 Farrell Ave Fairfield, AL	2.0	1.0	1218	$995	$0.82	43d	1	0.41mi
518 Oak Pl Fairfield, AL	3.0	1.0	1236	$875	$0.71	19d	1	0.43mi
1112 47th St W Birmingham, AL	2.0	1.0	1166	$975	$0.84	43d	1	0.43mi
518 41st St Fairfield, AL	3.0	2.0	1095	$1,200	$1.10	43d	1	0.48mi
1306 35th Street Ensley Birmingham, AL	3.0	2.0	1100	$1,173	$1.07	3d	1	0.54mi
3517 Avenue F Birmingham, AL	3.0	2.0	1155	$1,200	$1.04	43d	1	0.55mi
829 51st Street Ensley Birmingham, AL	3.0	1.0	1203	$1,340	$1.11	3d	1	0.56mi
1410 46th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1200	$1,000	$0.83	43d	1	0.60mi
5219 Court G Unit G Fairfield, AL	3.0	1.0	1140	$950	$0.83	23d	1	0.61mi
1420 Warrior Rd Birmingham, AL	3.0	1.0	1061	$1,050	$0.99	43d	1	0.61mi
1429 Warrior Rd Birmingham, AL	3.0	1.0	1036	$850	$0.82	15d	1	0.62mi
1301 32nd Street Ensley Birmingham, AL	3.0	1.0	1200	$975	$0.81	43d	1	0.63mi
5316 Court I Birmingham, AL	3.0	2.0	1284	$1,200	$0.93	43d	1	0.64mi
1417 34th Street Ensley Birmingham, AL	3.0	1.0	1103	$1,025	$0.93	43d	1	0.65mi
3100 Avenue J Birmingham, AL	3.0	1.0	1409	$1,000	$0.71	10d	1	0.66mi
3212 Avenue G Unit G Ensley, AL	2.0	1.0	902	$850	$0.94	43d	1	0.67mi
1509 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.5	1260	$1,123	$0.89	11d	1	0.68mi
1429 47th Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	768	$750	$0.98	43d	1	0.68mi
5406 Court G Unit G Fairfield, AL	3.0	2.0	1449	$1,199	$0.83	11d	1	0.69mi
410 54th St Fairfield, AL	2.0	1.0	1068	$700	$0.66	2d	1	0.70mi
1520 41st Street Ensley Birmingham, AL	3.0	2.0	1068	$1,195	$1.12	43d	1	0.70mi
1515 45th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1440	$875	$0.61	3d	1	0.70mi
1313 Pike Rd Birmingham, AL	3.0	1.0	1437	$975	$0.68	43d	1	0.72mi
1540 42nd Street Ensley Unit ENSLEY Birmingham, AL	2.0	1.0	899	$1,037	$1.15	43d	1	0.75mi
5503 Myron Massey Blvd Fairfield, AL	3.0	2.0	1119	$1,200	$1.07	43d	1	0.76mi
3201 Avenue E Birmingham, AL	3.0	1.0	1056	$925	$0.88	43d	1	0.77mi
1604 44th Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1100	$1,200	$1.09	23d	1	0.79mi
1528 34th Street Ensley Birmingham, AL	3.0	2.0	972	$1,073	$1.10	43d	1	0.79mi
2908 Avenue I Unit I Ensley, AL	3.0	1.0	1383	$1,025	$0.74	23d	1	0.79mi
1607 43rd Street Ensley Unit ENSLEY Birmingham, AL	3.0	2.0	1435	$1,150	$0.80	23d	1	0.81mi
1617 42nd Street Ensley Unit ENSLEY Birmingham, AL	3.0	1.0	1413	$1,030	$0.73	15d	1	0.81mi
5712 Monte Sano Rd Birmingham, AL	2.0	1.0	700	$900	$1.29	43d	1	0.85mi

Listing history 3 events

1. 2026-06-18
   days on market $95,000 Active 2 DOM
2. 2026-06-16
   remarks 96-char remark
3. 2026-06-16
   listed $95,000 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: $1,541 · $128/mo
• Projected year-2 tax: $1,541 · $128/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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,399
• − Mortgage interest: −$5,321
• − Property taxes: −$1,541
• − Insurance: −$475
• − Repairs & maintenance: −$992
• − Management: −$992
• − Depreciation: −$2,764
• Taxable income: $314
• Est. tax owed @ 24.0%: −$75
• After-tax cash flow: $1,726/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): 13,412
• Household income: $38,561
• Rent vs Own: 35.8% rent · 64.2% own
• Severe rent burden: 573.0

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 (94%)
• Race & ethnicity: Black 94% White 4% Hispanic / Latino 2% Two or more races 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

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: ▼ -33.99%
• Current HPI: 153.414
• Rent YoY: ▲ 7.24%
• 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

1 event — show timeline

• 2026-06-16 Listed $95,000 Greater Alabama MLS

Property tax history

+4.3%/yr

Latest (2025): $1,541 · +0.0% YoY. Source: county tax records.