7140 Oporto Ave · Birmingham, AL 35206

$79,900

3 bd · 1.0 ba · 980 sqft · SingleFamily public records · 122 Days on market

Built 1970 6,969 sqft lot $82/sqft · at area comps Est $150k · 47% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• 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

Great investment opportunity! This 3-bedroom, 2-bath property is being sold AS-IS and offers strong potential for renovation and value-add. Conveniently located just minutes from downtown Birmingham, the property is ideal for investors seeking a flip or rental opportunity. Bring your vision to restore and capitalize on this well-located home. No repairs will be made by seller.

Key facts

• Well-located home
• 6,969 sq ft lot
• Built 1970

Tags

• INVESTMENT OPPORTUNITY
• WELL-LOCATED HOME

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $362 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.7% 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 (+1.8%/yr); 130 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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 33% of the median local income ($43k/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 $552 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 $22k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 122 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• 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 $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 122 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
8. 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.
9. 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: 1.45% ✓
• Cap rate: 11.73%
• Cash-on-cash: 19.43%
• DSCR: 1.86
• GRM: 5.8

CMA / ARV

• ARV (median comp): $149,526
• List price: $79,900
• Delta: -46.56%
• 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
7316 Rome Ave	0.27mi	3/1.0	944 (-4%)	5mo	$75,000	$79	77
904 75th St S	0.51mi	3/1.0	1,000 (+2%)	7mo	$139,000	$139	66
221 72nd St S	0.72mi	3/1.0	1,015 (+4%)	2mo	$75,000	$74	59
6713 Harve Ave	0.55mi	2/1.0 (-1)	936 (-4%)	9mo	$35,000	$37	54
816 Vanderbilt St	0.51mi	3/1.0	1,096 (+12%)	3mo	$81,500	$74	54
7300 London Ave	0.26mi	2/1.0 (-1)	840 (-14%)	7mo	$50,000	$60	53
7801 7th Ave S	0.71mi	3/1.0	1,040 (+6%)	8mo	$125,000	$120	50
7432 Queenstown Ave	0.37mi	3/2.0	1,127 (+15%)	5mo	$179,000	$159	49
758 Vanderbilt St	0.52mi	3/2.0	1,096 (+12%)	3mo	$175,000	$160	49
718 78th St S	0.67mi	2/1.0 (-1)	1,037 (+6%)	8mo	$60,000	$58	47
7808 Vienna Ave	0.72mi	2/1.0 (-1)	904 (-8%)	5mo	$51,000	$56	44
6924 67th St S	0.75mi	2/1.0 (-1)	916 (-6%)	8mo	$15,000	$16	43

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: 10.1%
• Equity multiple: 1.39×
• Total profit: $8,779
• Equity at exit: $11,913

10-year hold

• IRR: 18.2%
• Equity multiple: 2.43×
• Total profit: $31,975
• Equity at exit: $6,908

Cash invested: $22,372 (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: 130
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,157 high
• Mortgage (P&I): −$419
• Tax est. 1.5%: −$100 /mo · $1,198/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$243
• Net cashflow: $362

Break-even live

Break-even rent $699

Max offer price $79,900

Occupancy floor 64%

Sensitivity live

Price	-10% $417	-5% $390	+0% $362	+5% $335	+10% $307
Rent	-10% $271	-5% $316	+0% $362	+5% $408	+10% $454
Rate	-1.0pp $402	-0.5pp $382	base $362	+0.5pp $341	+1.0pp $320

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7213 Naples Ave Birmingham, AL	3.0	1.5	925	$1,100	$1.19	45d	1	0.08mi
7213 Naples Ave Birmingham, AL	3.0	1.5	937	$1,100	$1.17	13d	1	0.08mi
7216 Paris Ave Birmingham, AL	3.0	1.5	966	$1,125	$1.16	20d	1	0.12mi
7313 Paris Ave Birmingham, AL	3.0	2.0	1000	$1,395	$1.40	4d	1	0.22mi
7404 Paris Ave Birmingham, AL	3.0	1.5	802	$1,200	$1.50	45d	1	0.31mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,275	$1.27	5d	1	0.35mi
7341 Rome Ave Birmingham, AL	3.0	1.0	1000	$1,300	$1.30	45d	1	0.35mi
630 77th St S Birmingham, AL	2.0	2.0	1100	$983	$0.89	4d	1	0.46mi
605 71st St S Birmingham, AL	3.0	1.5	1024	$1,303	$1.27	3d	1	0.49mi
756 Vanderbilt St Birmingham, AL	3.0	2.0	1096	$1,000	$0.91	45d	1	0.55mi
836 Vanderbilt St Birmingham, AL	3.0	1.0	1072	$850	$0.79	25d	1	0.56mi
7740 Rugby Ave Unit b Birmingham, AL	2.0	1.0	800	$1,100	$1.38	45d	1	0.57mi
7740 Rugby Ave Unit 2 Birmingham, AL	2.0	1.0	800	$1,000	$1.25	45d	1	0.57mi
7728 Rugby Ave Birmingham, AL	2.0	1.0	700	$850	$1.21	45d	1	0.59mi
7701 7th Ave S Birmingham, AL	2.0	1.0	800	$850	$1.06	25d	1	0.61mi
7025 4th Ave S Birmingham, AL	3.0	1.0	1090	$845	$0.78	45d	1	0.65mi
7825 Rugby Ct Birmingham, AL	2.0	1.0	929	$875	$0.94	23d	1	0.69mi
6732 Frankfort Ave Birmingham, AL	3.0	1.0	924	$995	$1.08	45d	1	0.69mi
7823 Rugby Ave Birmingham, AL	3.0	1.0	1023	$1,175	$1.15	45d	1	0.71mi
6936 66th St S Birmingham, AL	3.0	1.0	880	$1,050	$1.19	45d	1	0.74mi
7808 Vienna Ave Birmingham, AL	2.0	1.0	904	$850	$0.94	45d	1	0.74mi
832 79th Pl S Birmingham, AL	3.0	1.0	960	$1,250	$1.30	25d	1	0.79mi
7005 2nd Ave S Birmingham, AL	2.0	1.0	939	$950	$1.01	45d	1	0.82mi
7716 Sunrise Cir Birmingham, AL	1.0–2.0	1.0	795	$1,000	$1.26	45d	1	0.83mi
201 70th St S Birmingham, AL	2.0	1.0	989	$950	$0.96	45d	1	0.84mi
7119 1st Ave S Birmingham, AL	2.0	1.0	720	$1,000	$1.39	45d	1	0.84mi
7801 3rd Ave S Unit B Birmingham, AL	2.0	1.5	1100	$1,000	$0.91	45d	1	0.86mi
7721 1st Ave S Birmingham, AL	3.0	1.0	956	$949	$0.99	25d	1	0.89mi
7829 3rd Ave S Birmingham, AL	3.0	1.5	1005	$1,025	$1.02	45d	1	0.91mi
7728 1st Ave S Apt C Birmingham, AL	2.0	1.0	950	$950	$1.00	45d	1	0.94mi
7017 Division Ave Birmingham, AL	3.0	1.0	1100	$1,050	$0.95	45d	1	0.95mi
764 81st St S Unit B Birmingham, AL	2.0	1.0	800	$800	$1.00	45d	1	0.96mi
6820 Division Ave Birmingham, AL	3.0	2.0	1122	$1,050	$0.94	25d	1	1.05mi
8035 4th Ave S Birmingham, AL	3.0	2.0	1096	$1,050	$0.96	45d	1	1.05mi
8122 Rugby Ave Unit B Birmingham, AL	2.0	1.0	900	$795	$0.88	45d	1	1.06mi
417 Athens Ave Birmingham, AL	3.0	1.5	978	$1,250	$1.28	25d	1	1.06mi
730 82nd Pl S Birmingham, AL	3.0	1.0	896	$1,023	$1.14	5d	1	1.16mi
8021 1st Ave S Unit A Birmingham, AL	3.0	1.0	980	$950	$0.97	25d	1	1.16mi
2208 3rd Ave S Irondale, AL	3.0	1.0	934	$1,350	$1.45	45d	1	1.17mi
8229 9th Ave S Birmingham, AL	2.0	1.0	997	$1,195	$1.20	4d	1	1.18mi

Listing history 6 events

1. 2026-06-07
   statusdays on market $79,900 Pending 122 DOM
2. 2026-06-03
   days on market $79,900 Active 121 DOM
3. 2026-06-02
   days on market $79,900 Active 120 DOM
4. 2026-06-01
   days on market $79,900 Active 119 DOM
5. 2026-05-31
   days on market $79,900 Active 118 DOM
6. 2026-01-27
   listed $79,900 Active 379-char remark

   Show marketing remark (379 chars)

   Great investment opportunity! This 3-bedroom, 2-bath property is being sold AS-IS and offers strong potential for renovation and value-add. Conveniently located just minutes from downtown Birmingham, the property is ideal for investors seeking a flip or rental opportunity. Bring your vision to restore and capitalize on this well-located home. No repairs will be made by seller.

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,889
• − Mortgage interest: −$4,476
• − Property taxes: −$1,198
• − Insurance: −$400
• − Repairs & maintenance: −$1,111
• − Management: −$1,111
• − Depreciation: −$2,324
• Taxable income: $3,268
• Est. tax owed @ 24.0%: −$784
• After-tax cash flow: $3,562/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

1 event — show timeline

• 2026-01-27 Listed $79,900 Greater Alabama MLS