5907 Cunningham Trl · Montgomery, AL 36116

$298,400

4 bd · 2.0 ba · 1,768 sqft · SingleFamily public records · 39 Days on market

Built 2023 $169/sqft · at area comps Est $307k · at est. $25/mo HOA · 1% of rent

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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 +11.8/30.0
• ARV discount +8.7/15.0
• Rent growth +3.9/5.0
• DSCR +3.5/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

Key facts

• Stone backsplash
• Ceiling fans
• Privacy fence

Tags

• STONE BACKSPLASH
• CEILING FANS
• ENCLOSED PATIO
• PRIVACY FENCE

Property features AI

Finance

• Other: Existing lease type: Fixed
• HOA & community: Homeowners association with annual fee of $300; Association fee covers management and grounds maintenance (see agent for details)

Exterior

• Parking: Attached 2-car garage; Driveway; Garage with door opener
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; High-speed internet available
• Home design: Single-story home; Under construction (builder: D R Horton Homes, model: Cali H); Slab foundation; Ridge vent roof; Brick and HardiPlank exterior
• Construction: Built by D R Horton Homes (model: Cali H); Under construction; Brick and HardiPlank construction; Ridge vent roof; Slab foundation; Home warranty included
• Exterior features: Covered patio; Covered enclosed patio; Fully fenced yard; Full fencing; City lot in a subdivision; Public paved road frontage

Interior

• Kitchen: Stainless gas appliances; Kitchen island; Microwave and microwave hood fan; Self-cleaning oven; Gas range; Refrigerator; Plumbed for ice maker; Walk-in pantry (mentioned with breakfast nook)
• Bedrooms: Multiple first-floor bedrooms; One bedroom with trey ceilings
• Flooring: Carpet; Vinyl
• Bathrooms: Two full bathrooms; Features include double vanity, separate shower, and garden tub
• Heating & cooling: Central heating and cooling; Gas heating; Heat pump; Ceiling fans; Electric cooling; Has cooling
• Interior features: Blinds and double-pane windows; Insulated doors; Double vanity; Garden/Roman tub; Separate shower; Linen closet; Walk-in closet(s); Window treatments; Kitchen island; Programmable thermostat
• Laundry & utility: Washer hookup; Dryer hookup; Washer and dryer included; Gas water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $298k.

Deal economics

• At list price, monthly cash flow is $-81 ($-978/yr) — negative.
• To cash-flow at today's rent, offer at most $284k (4.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $221k (25.8% below list).
• Recommended offer: $221k (25.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.7%/yr); 293 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
• At $2,214/mo this rent would consume 48% of the median local household income ($55k/yr) (locally 2786% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Montgomery 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 39 days — a 3% lower offer ($289k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago 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.

Recommended offer $221,360 (25.8% 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 39 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 0.74% ✗
• Cap rate: 5.97%
• Cash-on-cash: -1.17%
• DSCR: 0.95
• GRM: 11.2

CMA / ARV

• ARV (median comp): $306,825
• List price: $298,400
• Delta: -2.75%
• 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
6024 Cunningham Trl	0.11mi	4/2.0	1,787 (+1%)	0mo	$304,700	$171	93
6048 Cunningham Trl	0.14mi	4/2.0	1,787 (+1%)	3mo	$299,400	$168	90
6036 Cunningham Trl	0.13mi	4/2.0	1,787 (+1%)	7mo	$300,400	$168	87
7742 Shaddix St	0.03mi	4/2.0	1,774 (+0%)	14mo	$299,400	$169	86
5800 Sanrock Ter	0.46mi	4/2.0	1,792 (+1%)	3mo	$295,500	$165	73
22 Seaboard Dr	0.42mi	4/2.0	1,774 (+0%)	14mo	$284,400	$160	68
7729 Shaddix St	0.42mi	4/2.0	1,774 (+0%)	14mo	$290,900	$164	68
6017 Cunningham Trl	0.42mi	4/2.0	1,774 (+0%)	15mo	$299,400	$169	67
5166 Chesapeake Pass	0.65mi	4/2.0	1,774 (+0%)	11mo	$316,000	$178	60
6701 Taylor Ridge Rd	0.75mi	3/2.0 (-1)	1,622 (-8%)	6mo	$156,000	$96	41
7764 Long Acre St	0.70mi	3/2.5 (-1)	1,896 (+7%)	16mo	$359,000	$189	36
5025 Endell St	0.65mi	3/3.5 (-1)	1,550 (-12%)	9mo	$325,000	$210	31

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 · 5.65% rent growth · sell at horizon

5-year hold

• IRR: -15.7%
• Equity multiple: 0.43×
• Total profit: $-47,594
• Equity at exit: $44,492

10-year hold

• IRR: -3.6%
• Equity multiple: 0.73×
• Total profit: $-22,321
• Equity at exit: $25,800

Cash invested: $83,552 (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 36116

• Home prices YoY: -9.7%
• Rents YoY: 5.7%
• Active inventory: 293
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $2,214 medium
• Mortgage (P&I): −$1,565
• Tax from tax record: −$116 /mo · $1,393/yr
• Insurance: −$124
• HOA: −$25
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $-81

Break-even live

Break-even rent $2,317

Max offer price $284,005

Occupancy floor 99%

Sensitivity live

Price	-10% $87	-5% $3	+0% $-81	+5% $-166	+10% $-250
Rent	-10% $-256	-5% $-169	+0% $-81	+5% $6	+10% $93
Rate	-1.0pp $69	-0.5pp $-6	base $-81	+0.5pp $-159	+1.0pp $-237

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: $74,600
• Closing costs: $8,952
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7726 Shaddix St Montgomery, AL	5.0	3.0	2599	$2,350	$0.90	21d	1	0.07mi
5812 Blevins Cir Montgomery, AL	4.0	3.0	2354	$2,550	$1.08	44d	1	0.61mi

HOA detail

• Monthly dues: $25 · $300/yr

Listing history 11 events

1. 2026-06-03
   days on market $298,400 Active 39 DOM
2. 2026-06-02
   days on market $298,400 Active 38 DOM
3. 2026-06-01
   days on market $298,400 Active 37 DOM
4. 2026-05-31
   days on market $298,400 Active 36 DOM
5. 2026-05-30
   days on market $298,400 Active 35 DOM
6. 2026-04-25
   listed $298,400 Active 874-char remark
7. 2023-10-06
   soldstatus $294,900 Closed 859-char remark

   Show marketing remark (859 chars)

   The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

8. 2023-09-12
   status Pending 859-char remark

   Show marketing remark (859 chars)

   The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

9. 2023-06-02
   price $294,900 859-char remark

   Show marketing remark (859 chars)

   The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

10. 2023-04-27
    price $293,400 859-char remark

    Show marketing remark (859 chars)

    The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

11. 2023-04-16
    listed $292,400 Active 859-char remark

    Show marketing remark (859 chars)

    The NEW CALI Plan. September 2023 close. This traditionally styled single level home perfectly reflects your sense of style. Large Living/Family room with a spacious well-designed kitchen with beautiful gray cabinets and casual dining area with a Huge Island as the centerpiece and lots of cabinet space. Lavish Main Bedroom with a gorgeous main bath. It boasts plenty of space for large furniture. Three additional bedrooms a second full bath. Quality materials and workmanship throughout with a 2 car garage. Smart Home Technology is standard in all D. R. Horton Homes. 2-10 Builder's Warranty, too! Builder will also pay up to $3,500 towards closing cost and up to $1,500 towards prepaids, plus 2 free options or Builder will pay ALL closing cost on closings by 9/30/23 as well as special interest rates when using our preferred lender, DHI Mortgage.

ⓘ 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: $1,393 · $116/mo
• Projected year-2 tax: $1,393 · $116/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $26,563
• − Mortgage interest: −$16,715
• − Property taxes: −$1,393
• − Insurance: −$1,492
• − Repairs & maintenance: −$2,125
• − Management: −$2,125
• − HOA: −$300
• − Depreciation: −$8,681
• Taxable loss: −$6,267
• Est. tax savings @ 24.0%: +$1,504
• After-tax cash flow: $526/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: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 45,250
• Household income: $55,160
• Rent vs Own: 50.8% rent · 49.2% own
• Severe rent burden: 2786.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (80%)
• Race & ethnicity: Black 80% White 12% Two or more races 4% Asian 3% Hispanic / Latino 2%
• Common ancestry: Italian 1%
• Foreign-born: 5% · Canada, South Korea
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% Korean 1%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.31%
• Current HPI: 151.8598
• Rent YoY: ▲ 5.65%
• Metro: Montgomery, 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

+2.1% since first listed

6 events — show timeline

• 2026-04-25 Listed $298,400 MAAR
• 2023-10-06 Sold (MLS) $294,900 MAAR
• 2023-09-12 Pending — MAAR
• 2023-06-02 Price Changed $294,900 MAAR
• 2023-04-27 Price Changed $293,400 MAAR
• 2023-04-16 Listed $292,400 MAAR