6681 Burchfield Loop · McCalla, AL 35111

$200,000

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 6 Days on market

Built 1983 0.45 ac lot Est $200k · at est.

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Why this score? — see what drove the C 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 +25.4/30.0
• DSCR +8.4/10.0
• ARV discount +7.4/15.0
• 1% rule +5.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

ully renovated and move-in ready 3BR/2BA home now back on the market! This property has been thoughtfully updated from top to bottom, offering peace of mind for both buyers and agents. Recent improvements include new roof and modern finishes throughout. . The home features a functional layout, refreshed kitchen and bathrooms, updated flooring, and a clean, contemporary feel that appeals to today’s buyers. Perfect for first-time homebuyers or anyone looking for a low-maintenance property. Spacious bedrooms, open living areas, and a comfortable flow make this home easy to show and easy to sell. ?? Conveniently located with access to nearby amenities, schools, and main roadways. ?? Back

Key facts

• Updated flooring
• New roof
• Refreshed kitchen

Tags

• NEW ROOF
• REFRESHED KITCHEN
• UPDATED FLOORING
• CONVENIENTLY LOCATED

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $462 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 9.1% vs local median 4.5% in McCalla — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Jefferson County (suburban): math 9% / reading 32% proficiency, ranked #104 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mcadory Elementary School (math 14% / reading 40%, grade F, #392 of 627 statewide, top 65%, 667 students, 61% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 67% FRL vs 49% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 350 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 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.
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $97k; list at $200k implies a 106% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 48% 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 $200,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.03% ✓
• Cap rate: 9.07%
• Cash-on-cash: 9.90%
• DSCR: 1.44
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $199,584
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6681 Burchfield Loop	0.00mi	3/2.0	1,008 (0%)	1mo	$200,000	$198	95
6709 Burchfield Loop	0.06mi	3/1.0	1,032 (+2%)	10mo	$164,500	$159	85

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: -1.5%
• Equity multiple: 0.95×
• Total profit: $-3,073
• Equity at exit: $29,821

10-year hold

• IRR: 8.2%
• Equity multiple: 1.62×
• Total profit: $34,822
• Equity at exit: $17,292

Cash invested: $56,000 (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 35111

• Home prices YoY: -20.0%
• Active inventory: 350
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,065 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$37 /mo · $447/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$434
• Net cashflow: $462

Break-even live

Break-even rent $1,480

Max offer price $200,000

Occupancy floor 73%

Sensitivity live

Price	-10% $575	-5% $519	+0% $462	+5% $406	+10% $349
Rent	-10% $299	-5% $381	+0% $462	+5% $544	+10% $625
Rate	-1.0pp $563	-0.5pp $513	base $462	+0.5pp $410	+1.0pp $358

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5573 Timber Leaf Trl Bessemer, AL	3.0	2.0	1405	$1,776	$1.26	24d	1	1.00mi
7701 Timber Leaf Ln Bessemer, AL	3.0	2.0	1350	$1,721	$1.27	3d	1	1.03mi
5685 Timber Leaf Loop Bessemer, AL	3.0	2.0	1306	$2,057	$1.58	2d	1	1.14mi
5688 Timber Leaf Loop Bessemer, AL	3.0	2.0	1306	$2,057	$1.58	2d	1	1.16mi
5680 Timber Leaf Loop Bessemer, AL	3.0	2.0	1306	$2,057	$1.58	2d	1	1.17mi

Listing history 7 events

1. 2026-04-22
   status Pending
2. 2026-04-16
   listed $200,000 Active
3. 2026-02-13
   price $200,900
4. 2026-01-07
   price $205,900
5. 2025-11-11
   price $210,000
6. 2025-06-12
   soldstatus $97,000
7. 1986-07-01
   soldstatus $46,700

ⓘ 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: $447 · $37/mo
• Projected year-2 tax: $820 · $68/mo
• Expected delta: +$373/yr (+$31/mo · 83.4%)

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

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 ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 48% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,783
• − Mortgage interest: −$11,203
• − Property taxes: −$447
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,983
• − Management: −$1,983
• − Depreciation: −$5,818
• Taxable income: $2,350
• Est. tax owed @ 24.0%: −$564
• After-tax cash flow: $4,982/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: Jefferson County
• NCES district ID: 0101920
• Math proficiency: 9% ▼ -24.00%
• Reading proficiency: 32% ▼ -5.00%
• Median HH income: $51,712
• Composite: 18.4/100
• National rank: #8937
• State rank: #104 of 129 in AL

Livability — McCalla

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: McCalla, AL
• County: Tuscaloosa County · 206,491 people
• Metro: Tuscaloosa, AL
• Population (ZIP): 20,342
• Household income: $86,463
• Rent vs Own: 10.8% rent · 89.2% own
• Severe rent burden: 137.0

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 White (69%)
• Race & ethnicity: White 69% Black 24% Hispanic / Latino 3% Two or more races 3% Asian 1%
• Common ancestry: Lithuanian 4% Slovak 2% Italian 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 93% English-only · Spanish 5%

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: ▼ -51.52%
• Current HPI: 206.3808
• Rent YoY: —
• Metro: Tuscaloosa, 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

+328.3% since first listed

7 events — show timeline

• 2026-04-22 Pending — Greater Alabama MLS
• 2026-04-16 Listed $200,000 Greater Alabama MLS
• 2026-02-13 Price Changed $200,900 Greater Alabama MLS
• 2026-01-07 Price Changed $205,900 Greater Alabama MLS
• 2025-11-11 Price Changed $210,000 Greater Alabama MLS
• 2025-06-12 Sold (Public Records) $97,000 Public Records
• 1986-07-01 Sold (Public Records) $46,700 Public Records

Property tax history

+2.6%/yr

Latest (2025): $447 · +3.7% YoY. Source: county tax records.