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8600 Beverly Gardens Dr S
D- Composite 38.41
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).

  • ARV discount +15.0/15.0
  • Cash flow +8.5/30.0
  • Livability +2.7/5.0
  • 1% rule +2.6/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.3/10.0
  • Schools +2.3/10.0
  • Appreciation +0.0/10.0

$190,000

8600 Beverly Gardens Dr S · Bayou La Batre, AL 36544
4 bd · 2.0 ba · 1,904 sqft · SingleFamily · 174 Days on market
Built 2025 0.56 ac lot $100/sqft · 23% below area Est $246k · 23% under ↓ 10% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

Key facts

  • Vinyl flooring
  • Ceramic sinks
  • Open layout

Tags

0.56 ACRESOPEN LAYOUTSTAINLESS STEEL APPLIANCESCERAMIC SINKSSLIDING GLASS DOORVINYL FLOORING

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $190k.

Deal economics

  • At list price, monthly cash flow is $-167 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $166k (12.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $145k (23.6% below list).
  • Recommended offer: $145k (23.6% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 53/100 on livability (#493 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: health & safety D+, schools F, crime F.
  • Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 82 active listings in the ZIP; 1,678 units permitted in Mobile County in 2024 (264 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.
  • Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • It's been on market 174 days — a 12% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts; this cycle's ask has dropped $20k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $145,098 (23.6% 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. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  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
0.76%
Cap rate
5.24%
Cash-on-cash
-3.76%
DSCR
0.83
GRM
10.9

CMA / ARV

ARV (median comp)
$246,446
List price
$190,000
Delta
-22.90%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
8200 Amanda Ln 0.59mi 4/2.0 2,002 (+5%) 1mo $361,000 $180 63
8341 Meadow Ln N 0.48mi 4/3.0 1,960 (+3%) 9mo $210,000 $107 61
9021 Cory Ln 0.71mi 3/2.0 (-1) 1,711 (-10%) 3mo $280,000 $164 43
10741 Meadow Ln W 0.42mi 5/3.0 (+1) 1,647 (-14%) 11mo $202,500 $123 40
8083 Leisure Woods Dr N 0.73mi 3/2.0 (-1) 1,820 (-4%) 23mo $245,000 $135 35

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
-22.6%
Equity multiple
0.22×
Total profit
$-41,388
Equity at exit
$28,330
10-year hold
IRR
-16.8%
Equity multiple
0.07×
Total profit
$-49,628
Equity at exit
$16,428

Cash invested: $53,200 (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.

ZIP-level market 36544

Home prices YoY
-17.6%
Active inventory
82
Price-to-rent
10.9×

Monthly cashflow live

Estimated rent
$1,451 medium interval (Pro) →
Mortgage (P&I)
$996
Tax est. 1.5%
$238 /mo · $2,850/yr
Insurance
$79
HOA
$0
Vacancy / Maint / Mgmt
$305
Net cashflow
$-167

Break-even live

Break-even rent $1,662
Max offer price $165,868
Occupancy floor

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
$47,500
Closing costs
$5,700
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 6 events

  1. 2026-04-24
    status Active 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

  2. 2026-03-30
    historical 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

  3. 2026-01-14
    status Active 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

  4. 2026-01-06
    status Pending 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

  5. 2025-12-15
    price $190,000 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

  6. 2025-10-30
    listed $210,000 Active 1152-char remark
    Show marketing remark (1152 chars)

    Welcome to this beautiful brand new 2025 Hamilton “Ascent” manufactured home, perfectly situated on a paved subdivision sitting on a lot spanning 0.56 acres. This spacious 4 bedroom 2 bath 28 x 68 home offers the perfect combination of style, comfort, and modern living — move-in ready with warranties already in place for your peace of mind. Step inside to find a bright, open layout featuring both a den and a living room, giving you plenty of space to relax and entertain. The kitchen is a showstopper with stainless steel appliances, stainless steel sink, soft close cabinets and a sliding glass door that opens to your backyard for easy outdoor access. The home boasts vinyl flooring throughout for easy maintenance, fiberglass shower, soaking tub, and walk-in closets in the bedrooms for plenty of storage. Built with lasting quality, this Hamilton features vinyl siding, vinyl skirting, and a 29-gauge Galvalume metal roof for superior durability and curb appeal. And for extra confidence, the home comes with a full warranty — 10 years on the structure and 7 years on all appliances, including the central AC system.

ⓘ 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 6/10 Major
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥104°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$17,412
− Mortgage interest
−$10,643
− Property taxes
−$2,850
− Insurance
−$950
− Repairs & maintenance
−$1,393
− Management
−$1,393
− Depreciation
−$5,527
Taxable loss
−$5,344
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,283
After-tax cash flow
$-719/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
Mobile County
NCES district ID
0102370
Math proficiency
15% ▼ -28.00%
Reading proficiency
39% ▬ 0.00%
Median HH income
$42,455
Composite
22.9/100
National rank
#8002
State rank
#81 of 129 in AL

Livability — Bayou La Batre

Score
53/100
State rank
#493
US rank
#24654

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

City population
1,462
Population (ZIP)
10,800

Population outlook (Mobile County) Hauer SSP2

Today (2025)
415,303 people
By 2030
411,755 · -0.9%
By 2040
399,670 · -3.8%
By 2050
382,616 · -7.9%
By 2075
337,353 · -18.8%
By 2100
283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (79%)
Race & ethnicity
White 79% Asian 8% Black 6% Hispanic / Latino 4% Two or more races 3%
Common ancestry
Lithuanian 4% Serbian 1% Italian 1%
Foreign-born
7% · Vietnam, Canada
Languages at home
90% English-only · Vietnamese 6% Other Asian/Pacific 2% Spanish 2%

Political lean MEDSL · Mobile

2024 margin
R (+16.4) · D 41.3% · R 57.7%
2008→2024 swing
-7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
All cycles
2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

Civics

Market trends

HPI YoY
▼ -44.84%
Current HPI
210.5625
Rent YoY
Metro
State GDP YoY
▲ 2.94%
F500 in state
4

Industry mix (Fortune 500 HQ in AL)

Industry F500 HQs Revenue

Price history

-9.5% since first listed
6 events — show timeline
  • 2026-04-24 Relisted GCMLS AL
  • 2026-03-30 Delisted GCMLS AL
  • 2026-01-14 Relisted GCMLS AL
  • 2026-01-06 Pending GCMLS AL
  • 2025-12-15 Price Changed $190,000 GCMLS AL
  • 2025-10-30 Listed $210,000 GCMLS AL

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…