The Bradley Headwinds Ln · Bessemer, AL 35022

$267,990

3 bd · 2.0 ba · 1,679 sqft · SingleFamily · 178 Days on market

Built 2026 Good condition 7,840 sqft lot $160/sqft · 8% below area Est $291k · 8% under

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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).

• ARV discount +11.1/15.0
• Cash flow +8.6/30.0
• Rent growth +5.0/5.0
• Condition / age +4.0/5.0
• Livability +3.0/5.0
• 1% rule +2.7/10.0
• DSCR +2.4/10.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Bradley packs a lot of living space into a popular ranch layout, including an open living area with access to a covered patio for effortless indoor/outdoor entertaining and a private owner's suite separated from two secondary bedrooms. The kitchen features generous counter space and an island. There is an optional additonal room on this plan for more space. Photos are representations. Selections and colors will vary.

Key facts

• Open living area
• Covered patio
• 7,840 sq ft lot

Tags

• OPEN LIVING AREA
• COVERED PATIO
• PRIVATE OWNER'S SUITE
• GENEROUS COUNTER SPACE
• OPTIONAL ADDITIONAL ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $268k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-231 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $235k (12.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (23.4% below list).
• Recommended offer: $205k (23.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: crime F, amenities F, employment F.
• Bessemer City (suburban): math 3% / reading 19% proficiency, ranked #120 of 129 in AL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 87% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Westhills Elementary School (math 8% / reading 27%, grade F, #486 of 627 statewide, top 79%, 315 students, 75% FRL); Bessemer City Middle School (math 3% / reading 23%, grade F, #215 of 257 statewide, top 84%, 674 students, 88% FRL); Bessemer City High School (math 2% / reading 8%, grade F, #276 of 305 statewide, top 95%, 850 students, 61% FRL).
• Market conditions: Rents rising fast (+14.8%/yr); 436 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 62d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• This rent runs 30% of the median local income ($82k/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 $2k of loan paydown is wiped out by about $8k 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.

Negotiation context

• It's been on market 178 days — a 12% lower offer ($236k) is reasonable based on typical stale-listing flexibility.

Recommended offer $205,227 (23.4% 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 178 days. Have you received any prior offers? Is the seller open to a 23% 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 D-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: 0.77% ✗
• Cap rate: 5.26%
• Cash-on-cash: -3.69%
• DSCR: 0.84
• GRM: 10.9

CMA / ARV

• ARV (median comp): $291,448
• List price: $267,990
• Delta: -8.05%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5340 Tailwinds Dr	0.04mi	3/2.0	1,679 (0%)	6mo	$288,615	$172	93
5381 Tailwinds Dr	0.09mi	3/2.0	1,679 (0%)	3mo	$284,295	$169	93
5389 Tailwinds Dr	0.09mi	3/2.0	1,679 (0%)	4mo	$287,065	$171	92
5345 Tailwinds Dr	0.04mi	3/2.0	1,740 (+4%)	0mo	$300,605	$173	92
5444 Headwinds Ln	0.12mi	3/2.0	1,679 (0%)	5mo	$286,980	$171	90
5456 Headwinds Ln	0.12mi	3/2.0	1,679 (0%)	6mo	$277,815	$165	90
5361 Tailwinds Dr	0.09mi	3/2.0	1,740 (+4%)	1mo	$289,105	$166	89
5369 Tailwinds Dr	0.09mi	3/2.0	1,740 (+4%)	2mo	$287,525	$165	88
5477 Headwinds Ln	0.15mi	3/2.0	1,679 (0%)	6mo	$285,995	$170	88
5460 Headwinds Ln	0.12mi	3/2.0	1,740 (+4%)	6mo	$282,965	$163	83
87 Carriage House Rd	0.31mi	4/2.0 (+1)	1,926 (+15%)	6mo	$218,000	$113	51
79 Carriage House Rd	0.33mi	4/2.0 (+1)	1,926 (+15%)	7mo	$215,000	$112	50

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -17.1%
• Equity multiple: 0.37×
• Total profit: $-47,244
• Equity at exit: $39,958

10-year hold

• IRR: -1.7%
• Equity multiple: 0.86×
• Total profit: $-10,572
• Equity at exit: $23,171

Cash invested: $75,037 (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: 15 active · 21 under contract
• Months of supply: 7.5 mo (13%/mo absorbed)
• Median asking: $273,990 ($156/sqft)
• Median days on market: 234 d
• This list price: 27% of active listings are priced below it
• ARV vs active asking: +11.1% above current asking $/sqft

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

ZIP-level market 35022

• Home prices YoY: -20.2%
• Rents YoY: 14.8%
• Active inventory: 436
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,052 high
• Mortgage (P&I): −$1,405
• Tax est. 1.5%: −$335 /mo · $4,020/yr
• Insurance: −$112
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-231

Break-even live

Break-even rent $2,344

Max offer price $234,604

Occupancy floor —

Sensitivity live

Price	-10% $-46	-5% $-138	+0% $-231	+5% $-323	+10% $-416
Rent	-10% $-393	-5% $-312	+0% $-231	+5% $-150	+10% $-69
Rate	-1.0pp $-96	-0.5pp $-163	base $-231	+0.5pp $-300	+1.0pp $-371

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: $66,998
• Closing costs: $8,040
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63 Carriage House Rd SW Bessemer, AL	3.0	2.0	1802	$1,780	$0.99	111d	1	0.39mi
5542 Bridle Way Bessemer, AL	4.0	2.0	2100	$2,176	$1.04	9d	1	0.44mi
5430 Bluebell Cir Bessemer, AL	4.0	3.0	2054	$2,075	$1.01	6d	1	0.45mi
505 Westchester Dr Bessemer, AL	4.0	2.0	1706	$1,650	$0.97	9d	1	0.66mi
26 Royal Coach Cir Bessemer, AL	3.0	2.0	1612	$1,676	$1.04	65d	1	0.66mi
4737 Rosser Loop Dr Bessemer, AL	3.0	2.0	1638	$1,646	$1.00	71d	1	1.13mi
4758 Rosser Loop Dr Bessemer, AL	3.0	2.0	1469	$1,880	$1.28	62d	1	1.18mi
5725 Riverbirch Dr Bessemer, AL	3.0	2.0	1620	$2,050	$1.27	62d	1	1.36mi

Listing history 50 events

1. 2026-09-24
   days on market $267,990 Active 178 DOM
2. 2026-09-23
   days on market $267,990 Active 177 DOM
3. 2026-09-22
   days on market $267,990 Active 176 DOM
4. 2026-09-21
   days on market $267,990 Active 175 DOM
5. 2026-09-20
   days on market $267,990 Active 174 DOM
6. 2026-09-19
   days on market $267,990 Active 173 DOM
7. 2026-09-18
   days on market $267,990 Active 172 DOM
8. 2026-09-17
   days on market $267,990 Active 171 DOM
9. 2026-09-16
   days on market $267,990 Active 170 DOM
10. 2026-09-15
    days on market $267,990 Active 169 DOM
11. 2026-09-14
    days on market $267,990 Active 168 DOM
12. 2026-09-13
    days on market $267,990 Active 167 DOM
13. 2026-09-12
    days on market $267,990 Active 166 DOM
14. 2026-09-11
    days on market $267,990 Active 165 DOM
15. 2026-09-05
    days on market $267,990 Active 159 DOM
16. 2026-09-04
    days on market $267,990 Active 158 DOM
17. 2026-09-03
    days on market $267,990 Active 157 DOM
18. 2026-08-31
    days on market $267,990 Active 154 DOM
19. 2026-08-29
    days on market $267,990 Active 152 DOM
20. 2026-08-28
    days on market $267,990 Active 151 DOM
21. 2026-08-27
    days on market $267,990 Active 150 DOM
22. 2026-08-26
    days on market $267,990 Active 149 DOM
23. 2026-08-25
    days on market $267,990 Active 148 DOM
24. 2026-08-24
    days on market $267,990 Active 147 DOM
25. 2026-08-23
    days on market $267,990 Active 146 DOM
26. 2026-08-22
    days on market $267,990 Active 145 DOM
27. 2026-08-21
    days on market $267,990 Active 144 DOM
28. 2026-08-20
    days on market $267,990 Active 143 DOM
29. 2026-08-19
    days on market $267,990 Active 142 DOM
30. 2026-08-18
    days on market $267,990 Active 141 DOM
31. 2026-08-17
    days on market $267,990 Active 140 DOM
32. 2026-08-16
    days on market $267,990 Active 139 DOM
33. 2026-08-15
    days on market $267,990 Active 138 DOM
34. 2026-08-14
    days on market $267,990 Active 137 DOM
35. 2026-08-13
    days on market $267,990 Active 136 DOM
36. 2026-08-12
    days on market $267,990 Active 135 DOM
37. 2026-08-11
    days on market $267,990 Active 134 DOM
38. 2026-08-10
    days on market $267,990 Active 133 DOM
39. 2026-08-09
    days on market $267,990 Active 132 DOM
40. 2026-08-08
    days on market $267,990 Active 131 DOM
41. 2026-08-07
    days on market $267,990 Active 130 DOM
42. 2026-08-06
    days on market $267,990 Active 129 DOM
43. 2026-08-05
    days on market $267,990 Active 128 DOM
44. 2026-08-04
    days on market $267,990 Active 127 DOM
45. 2026-08-03
    days on market $267,990 Active 126 DOM
46. 2026-08-01
    price $267,990 Active 123 DOM
47. 2026-07-31
    days on market $266,900 Active 123 DOM
48. 2026-07-30
    days on market $266,900 Active 121 DOM
49. 2026-07-28
    days on market $266,900 Active 120 DOM
50. 2026-07-26
    days on market $266,900 Active 118 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $24,627
• − Mortgage interest: −$15,012
• − Property taxes: −$4,020
• − Insurance: −$1,340
• − Repairs & maintenance: −$1,970
• − Management: −$1,970
• − Depreciation: −$7,796
• Taxable loss: −$7,481
• Est. tax savings @ 24.0%: +$1,795
• After-tax cash flow: $-973/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 · 3 photos

Good 80/100 Cosmetic rehab Est. rehab $8,395–$25,185 screening

This single-family home is in excellent condition with a good condition score of 80. It is move-in ready with minimal cosmetic improvements needed to maximize its resale and rental value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value to the property. ↑
• Both Adding smart home features — Improves convenience and adds modern appeal, attracting more buyers and renters. ↑
• Both Upgrading the kitchen appliances — Modern appliances enhance functionality and appeal to a broader range of potential buyers and renters. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic 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 12/100

Zoned Schools

Elementary Westhills Elementary School F AL #486/627 Nat'l #35,051/41,679 Middle Bessemer City Middle School F AL #215/257 Nat'l #12,966/14,009 High Bessemer City High School F AL #276/305 Nat'l #16,861/17,239

Schools (NCES district)

• District: Bessemer City
• NCES district ID: 0100330
• Math proficiency: 3% ▼ -18.00%
• Reading proficiency: 19% ▼ -3.00%
• Median HH income: $29,721
• Composite: 8.45/100
• National rank: #9905
• State rank: #120 of 129 in AL

D Composite livability gradescore 59/100

Livability — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bessemer, AL
• County: Jefferson County · 669,185 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 23,126
• Household income: $81,846
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 4% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 53% White 41% Hispanic / Latino 3% Two or more races 2% Asian 1%
• Common ancestry: Italian 1% Slovak 1% Iranian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 96% English-only · Spanish 3% Chinese 1%

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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: ▼ -55.40%
• Current HPI: 219.3839
• Rent YoY: ▲ 14.80%
• Metro: Birmingham-Hoover, AL
• 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

Price history

+0.8% since first listed

3 events — show timeline

• 2026-05-01 Price Changed $264,900 Greater Alabama MLS
• 2026-04-01 Price Changed $263,900 Greater Alabama MLS
• 2026-03-30 Listed $262,900 Greater Alabama MLS