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130 Kentwood Ave
D Composite 42.54
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 +14.4/30.0
  • ARV discount +6.0/15.0
  • Appreciation +4.7/10.0
  • DSCR +4.4/10.0
  • 1% rule +2.9/10.0
  • Rent growth +2.9/5.0
  • Livability +2.9/5.0
  • Condition / age +2.5/5.0
  • Schools +1.8/10.0

$139,000

130 Kentwood Ave · Hueytown, AL 35023
2 bd · 1.0 ba · 872 sqft · SingleFamily public records · 142 Days on market
Built 1958 0.37 ac lot $159/sqft · at area comps Est $134k · at est.

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Great large corner lot in Hueytown! This updated 2-bedroom, 1 bath home features a spacious, updated kitchen, laundry room, and pantry. Fresh paint and new carpet throughout add a clean, move-in-ready feel. Enjoy outdoor living with new deck, a large fenced yard, and back parking. Additional features include a covered carport and a large workshop, perfect for storage, hobbies, or extra workspace. Convenient location with plenty of space inside and out.

Key facts

  • Pantry
  • Fenced yard
  • Laundry room

Tags

CORNER LOTUPDATED KITCHENLAUNDRY ROOMPANTRYNEW DECKFENCED YARD

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $139k.

Deal economics

  • At list price, monthly cash flow is $29 ($351/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (20.9% below list).
  • Recommended offer: $110k (20.9% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 57/100 on livability (#378 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities F.
  • 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: Brighton School (math 5% / reading 15%, grade F, #566 of 627 statewide, top 90%, 365 students, 89% FRL); Pleasant Grove High School (math 0% / reading 18%, grade F, #260 of 305 statewide, top 85%, 729 students, 57% FRL) — zoned schools average 73% FRL vs 49% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising (+1.6%/yr); 255 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).

Forward outlook

  • In year one you build about $127 of equity ($961 loan paydown + $-834 appreciation (-0.6% local appreciation)).
  • 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 142 days — a 12% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
  • Current owner paid $69k; list at $139k implies a 101% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
  • 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 $109,943 (20.9% below list)

Questions for the listing agent

  1. It's been on market 142 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
  2. Built in 1958 — 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. 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
0.79%
Cap rate
6.55%
Cash-on-cash
0.90%
DSCR
1.04
GRM
10.5

CMA / ARV

ARV (median comp)
$134,499
List price
$139,000
Delta
11.45%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 8 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
122 June Ave 0.07mi 2/1.0 866 (-1%) 8mo $63,000 $73 89
116 Ivy Ave 0.15mi 2/1.0 851 (-2%) 4mo $80,000 $94 86
207 June Ave 0.07mi 2/1.0 851 (-2%) 12mo $130,000 $153 82
405 Wickstead Rd 0.45mi 2/1.0 864 (-1%) 23mo $140,000 $162 58
118 Holly St 0.66mi 2/1.0 784 (-10%) 7mo $115,000 $147 46
2838 Brooklane Dr 0.48mi 3/2.0 (+1) 975 (+12%) 8mo $98,150 $101 42
2822 Brooklane Dr 0.53mi 3/1.0 (+1) 975 (+12%) 12mo $97,000 $99 41
132 Crystal Ave 0.59mi 3/1.0 (+1) 1,000 (+15%) 23mo $100,000 $100 24

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

Projected returns pro-forma

-0.6% appreciation · 1.6% rent growth · sell at horizon

5-year hold
IRR
-4.4%
Equity multiple
0.80×
Total profit
$-7,663
Equity at exit
$36,241
10-year hold
IRR
0.9%
Equity multiple
1.09×
Total profit
$3,371
Equity at exit
$40,398

Cash invested: $38,920 (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.

ZIP-level market 35023

Home prices YoY
-0.1%
Rents YoY
1.6%
Active inventory
255
Price-to-rent
10.5×

Monthly cashflow live

Estimated rent
$1,099 high interval (Pro) →
Mortgage (P&I)
$729
Tax from tax record
$52 /mo · $630/yr
Insurance
$58
HOA
$0
Vacancy / Maint / Mgmt
$231
Net cashflow
$29

Break-even live

Break-even rent $1,062
Max offer price $139,000
Occupancy floor 92%

Sensitivity live

Price -10% $108 -5% $69 +0% $29 +5% $-10 +10% $-49
Rent -10% $-58 -5% $-14 +0% $29 +5% $73 +10% $116
Rate -1.0pp $99 -0.5pp $65 base $29 +0.5pp $-7 +1.0pp $-43

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
$34,750
Closing costs
$4,170
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 14 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
119 Lakeland Ave Bessemer, AL 3.0 1.0 1042 $1,125 $1.08 25d 1 0.10mi
2822 Brooklane Dr Bessemer, AL 2.0 1.0 975 $1,000 $1.03 45d 1 0.56mi
309 Sunrise Blvd Bessemer, AL 2.0 1.0 1105 $1,160 $1.05 13d 1 0.61mi
110 Ray Ave Apt 7 Hueytown, AL 2.0 2.0 900 $875 $0.97 4d 1 0.91mi
2423 Circle Dr Bessemer, AL 2.0 1.0 732 $1,050 $1.43 45d 1 1.04mi
116 Vail Ave Bessemer, AL 2.0 1.0 1008 $975 $0.97 21d 1 1.12mi
2020 High School Rd Unit C Bessemer, AL 2.0 1.0 733 $750 $1.02 16d 1 1.14mi
1409 Hueytown Rd Unit 09 Bessemer, AL 1.0 1.0 695 $850 $1.22 45d 1 1.27mi
1409 Hueytown Rd Apt 63 Bessemer, AL 2.0 1.0 876 $995 $1.14 45d 1 1.27mi
1409 Hueytown Rd Unit 76 Bessemer, AL 2.0 1.0 876 $995 $1.14 4d 1 1.27mi
109 Oak Ave Bessemer, AL 3.0 1.0 1120 $1,200 $1.07 4d 1 1.28mi
200 Love St Bessemer, AL 2.0 1.0 675 $1,100 $1.63 45d 1 1.33mi
301 Autumn Brook Ter Unit 401 Hueytown, AL 1.0 1.0 695 $850 $1.22 23d 1 1.36mi
622 S Parkell Ave Bessemer, AL 3.0 1.0 963 $1,200 $1.25 45d 1 1.46mi

Listing history 19 events

  1. 2026-06-22
    pricedays on market $139,000 Active 142 DOM
  2. 2026-06-18
    days on market $149,900 Active 139 DOM
  3. 2026-06-17
    days on market $149,900 Active 138 DOM
  4. 2026-06-16
    statusdays on market $149,900 Active 137 DOM
  5. 2026-06-15
    days on market $149,900 Contingent 136 DOM
  6. 2026-06-13
    days on market $149,900 Contingent 134 DOM
  7. 2026-06-10
    days on market $149,900 Contingent 131 DOM
  8. 2026-06-09
    days on market $149,900 Contingent 130 DOM
  9. 2026-06-08
    days on market $149,900 Contingent 129 DOM
  10. 2026-06-07
    days on market $149,900 Contingent 128 DOM
  11. 2026-06-03
    days on market $149,900 Contingent 124 DOM
  12. 2026-06-02
    days on market $149,900 Contingent 123 DOM
  13. 2026-06-01
    days on market $149,900 Contingent 122 DOM
  14. 2026-05-31
    days on market $149,900 Contingent 121 DOM
  15. 2026-05-17
    historical Contingent 456-char remark
    Show marketing remark (456 chars)

    Great large corner lot in Hueytown! This updated 2-bedroom, 1 bath home features a spacious, updated kitchen, laundry room, and pantry. Fresh paint and new carpet throughout add a clean, move-in-ready feel. Enjoy outdoor living with new deck, a large fenced yard, and back parking. Additional features include a covered carport and a large workshop, perfect for storage, hobbies, or extra workspace. Convenient location with plenty of space inside and out.

  16. 2026-01-30
    listed $149,900 Active 456-char remark
    Show marketing remark (456 chars)

    Great large corner lot in Hueytown! This updated 2-bedroom, 1 bath home features a spacious, updated kitchen, laundry room, and pantry. Fresh paint and new carpet throughout add a clean, move-in-ready feel. Enjoy outdoor living with new deck, a large fenced yard, and back parking. Additional features include a covered carport and a large workshop, perfect for storage, hobbies, or extra workspace. Convenient location with plenty of space inside and out.

  17. 2002-01-25
    soldstatus $69,000
  18. 1998-01-20
    soldstatus $57,500
  19. 1996-07-16
    soldstatus $55,000

ⓘ 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
$630 · $52/mo
Projected year-2 tax
$630 · $52/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ 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 2/10 Low
  • 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$13,193
− Mortgage interest
−$7,786
− Property taxes
−$630
− Insurance
−$695
− Repairs & maintenance
−$1,055
− Management
−$1,055
− Depreciation
−$4,044
Taxable loss
−$2,072
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$497
After-tax cash flow
$848/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 — Hueytown

Score
57/100
State rank
#378
US rank
#21611

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hueytown, AL
County
Jefferson County · 527,445 people
Metro
Birmingham-Hoover, AL
Population (ZIP)
25,533
Household income
$69,863
Rent vs Own
15.1% rent · 84.9% own
Severe rent burden
247.0

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
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 58% Black 30% Hispanic / Latino 7% Two or more races 3%
Hispanic origin (detail)
Mexican 5%
Common ancestry
Slovak 1% Lithuanian 1% Serbian 1%
Foreign-born
4% · Canada
Languages at home
93% English-only · Spanish 7%

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
▼ -0.60%
Current HPI
389.38
Rent YoY
▲ 1.60%
Metro
Birmingham-Hoover, AL
State GDP YoY
▲ 2.94%
F500 in state
4

Industry mix (Fortune 500 HQ in AL)

Industry F500 HQs Revenue

Price history

+172.5% since first listed
5 events — show timeline
  • 2026-05-17 Contingent Greater Alabama MLS
  • 2026-01-30 Listed $149,900 Greater Alabama MLS
  • 2002-01-25 Sold (Public Records) $69,000 Public Records
  • 1998-01-20 Sold (Public Records) $57,500 Public Records
  • 1996-07-16 Sold (Public Records) $55,000 Public Records

Property tax history

+3.5%/yr

Latest (2025): $630 · +7.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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