105 Trophy Loop · Lincoln, AL 35096

$207,257

3 bd · 2.0 ba · 1,466 sqft · SingleFamily · 140 Days on market

Built 2026 $141/sqft · 7% below area Est $224k · 7% under ↓ 4% since listing

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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 +10.8/15.0
• Cash flow +7.1/30.0
• Appreciation +6.5/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +1.3/10.0

Listing remarks MLS

New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

Key facts

• New construction
• Covered rear patio
• Single story home

Tags

• NEW CONSTRUCTION
• SINGLE STORY HOME
• PRIVATE BATHROOM
• CENTER ISLAND
• COVERED REAR PATIO
• GROWING COMMUNITY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $207k.

Deal economics

• At list price, monthly cash flow is $-292 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $165k (20.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $144k (30.4% below list).
• Recommended offer: $144k (30.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#230 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, schools D-, amenities F.
• Talladega County (rural): math 15% / reading 44% proficiency, ranked #75 of 129 in AL (top 58%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 222 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 189 units permitted in Talladega County in 2024 (6 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($1k loan paydown + $6k appreciation (3.0% local appreciation)).
• Talladega County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 140 days — a 12% lower offer ($182k) is reasonable based on typical stale-listing flexibility.

Recommended offer $144,312 (30.4% 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 140 days. Have you received any prior offers? Is the seller open to a 30% 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 D 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: 0.70% ✗
• Cap rate: 4.60%
• Cash-on-cash: -6.04%
• DSCR: 0.73
• GRM: 12.0

CMA / ARV

• ARV (median comp): $223,500
• List price: $207,257
• Delta: -7.27%
• 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
115 Trophy Loop	0.05mi	3/2.0	1,446 (-1%)	2mo	$210,000	$145	94
261 Buckhorn Ln	0.13mi	3/2.0	1,425 (-3%)	2mo	$210,000	$147	88
100 Trophy Loop	0.04mi	3/2.0	1,355 (-8%)	1mo	$199,599	$147	85
231 Buckhorn Ln	0.07mi	3/2.5	1,553 (+6%)	1mo	$205,700	$132	84
213 Buckhorn Ln	0.07mi	3/2.5	1,553 (+6%)	2mo	$219,000	$141	83
368 Timber Pass	0.34mi	3/2.5	1,505 (+3%)	1mo	$199,784	$133	77
246 Timber Pass	0.25mi	3/2.5	1,381 (-6%)	1mo	$202,230	$146	76
137 Buckhorn Ln	0.07mi	4/2.0 (+1)	1,613 (+10%)	3mo	$236,482	$147	73
306 Timber Pass	0.42mi	3/2.5	1,505 (+3%)	2mo	$203,973	$136	72
276 Timber Pass	0.33mi	3/2.5	1,553 (+6%)	2mo	$217,000	$140	71
174 Trophy Loop	0.16mi	4/2.0 (+1)	1,613 (+10%)	0mo	$219,000	$136	71
330 Timber Pass	0.42mi	3/2.0	1,340 (-9%)	1mo	$199,069	$149	66

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

2.96% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.10×
• Total profit: $5,933
• Equity at exit: $92,721

10-year hold

• IRR: 5.4%
• Equity multiple: 1.82×
• Total profit: $47,820
• Equity at exit: $142,529

Cash invested: $58,032 (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 35096

• Home prices YoY: 1.2%
• Active inventory: 222
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,443 medium
• Mortgage (P&I): −$1,087
• Tax est. 1.5%: −$259 /mo · $3,109/yr
• Insurance: −$86
• HOA: −$0
• Vacancy / Maint / Mgmt: −$303
• Net cashflow: $-292

Break-even live

Break-even rent $1,813

Max offer price $164,969

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: $51,814
• Closing costs: $6,218
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2316 Speedway Blvd Lincoln, AL	2.0–3.0	2.0–3.0	1500	$1,295	$0.86	12d	3	1.15mi
67 Wilson Way Lincoln, AL	3.0	2.0	1464	$1,595	$1.09	44d	1	1.20mi

Listing history 6 events

1. 2026-05-07
   status Pending 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

2. 2026-05-02
   price $207,257 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

3. 2026-04-19
   price $209,805 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

4. 2026-04-01
   price $217,415 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

5. 2026-01-31
   price $216,165 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

6. 2025-12-18
   listed $215,665 Active 949-char remark

   Show marketing remark (949 chars)

   New construction in Deer Brook Crossing - This new single-story home blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Don’t miss this opportunity to own a brand-new home in a growing community! Call the Listing agent to Learn more about this home today! Please verify items of importance NOTE Proposed or Under Construction listings may use images that are representational and not the actual finished home for that homesite. Please verify construction progress for the construction start date (proposed construction) or for the completion date for under construction listings.

ⓘ 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: $17,317
• − Mortgage interest: −$11,610
• − Property taxes: −$3,109
• − Insurance: −$1,036
• − Repairs & maintenance: −$1,385
• − Management: −$1,385
• − Depreciation: −$6,029
• Taxable loss: −$7,237
• Est. tax savings @ 24.0%: +$1,737
• After-tax cash flow: $-1,770/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: Talladega County
• NCES district ID: 0103180
• Math proficiency: 15% ▼ -24.00%
• Reading proficiency: 44% ▲ 3.00%
• Median HH income: $37,715
• Composite: 24.5/100
• National rank: #7650
• State rank: #75 of 129 in AL

Livability — Lincoln

• Score: 62/100
• State rank: #230
• US rank: #17221

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lincoln, AL
• City population: 9,201
• Population (ZIP): 9,201

Population outlook (Talladega County) Hauer SSP2

• Today (2025): 78,905 people
• By 2030: 77,160 · -2.2%
• By 2040: 72,937 · -7.6%
• By 2050: 68,279 · -13.5%
• By 2075: 57,884 · -26.6%
• By 2100: 47,220 · -40.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 19% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Lithuanian 2% Italian 1% Serbian 1%
• Foreign-born: 1% · Canada, Vietnam
• Languages at home: 98% English-only · Vietnamese 1% Spanish 1%

Political lean MEDSL · Talladega

• 2024 margin: Solid R (+33.8) · D 32.9% · R 66.6%
• 2008→2024 swing: -15.3pp toward R · 2008: -18.5pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+25.5 2016: R+25.6 2012: R+16.0 2008: R+18.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.96%
• Current HPI: 255.9195
• Rent YoY: —
• Metro: —
• 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

-3.9% since first listed

6 events — show timeline

• 2026-05-07 Pending — Greater Alabama MLS
• 2026-05-02 Price Changed $207,257 Greater Alabama MLS
• 2026-04-19 Price Changed $209,805 Greater Alabama MLS
• 2026-04-01 Price Changed $217,415 Greater Alabama MLS
• 2026-01-31 Price Changed $216,165 Greater Alabama MLS
• 2025-12-18 Listed $215,665 Greater Alabama MLS