336 County Road 1931 · Crossville, AL 35962

$165,500

3 bd · 2.0 ba · 1,568 sqft · Manufactured public records · 42 Days on market

Built 1999 1.01 ac lot $106/sqft · 41% below area Est $279k · 41% under ↓ 6% 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 +15.0/15.0
• Appreciation +6.8/10.0
• Cash flow +6.6/30.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• 1% rule +1.7/10.0
• DSCR +0.9/10.0

Listing remarks

Three bedroom, two bath mobile home in Crossville, Alabama featuring a nice yard and above-ground pool. Spacious floor plan with comfortable living area, functional kitchen. Large outdoor space perfect for relaxing or entertaining. Convenient location with small-town charm and easy access to nearby amenities.

Key facts

• Functional kitchen
• Spacious floor plan
• Large outdoor space

Tags

• ABOVE-GROUND POOL
• SPACIOUS FLOOR PLAN
• FUNCTIONAL KITCHEN
• LARGE OUTDOOR SPACE
• CONVENIENT LOCATION

Property features AI

Finance

• Other: Property sits on about 1.01 acres
• HOA & community: No homeowners association

Exterior

• Parking: Detached carport
• Utilities: Septic tank
• Home design: Manufactured / mobile home (Residential); Built in 1999; Single-story
• Construction: Electric fireplace (feature listed); Crawl space foundation
• Exterior features: Private pool; Public water

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Electric fireplace; Crawl space basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $166k.

Deal economics

• At list price, monthly cash flow is $-269 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $127k (23.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $111k (33.1% below list).
• Recommended offer: $111k (33.1% below list) — sets the bar for 1% rule.
• Cap rate 4.3% vs local median 2.8% in Crossville — 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 64/100 on livability (#171 in AL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Dekalb County (rural): math 18% / reading 37% proficiency, ranked #82 of 129 in AL (top 64%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Crossville Elementary School (math 17% / reading 27%, grade F, #442 of 627 statewide, top 72%, 578 students, 94% FRL); Crossville Middle School (math 8% / reading 20%, grade F, #209 of 257 statewide, top 82%, 790 students, 82% FRL); Crossville High School (math 8% / reading 17%, grade F, #238 of 305 statewide, top 79%, 657 students, 77% FRL) — zoned schools average 84% FRL vs 59% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 34 active listings in the ZIP; 49 units permitted in DeKalb County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($1k loan paydown + $6k appreciation (3.6% local appreciation)).
• DeKalb County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 5, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($161k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $110,720 (33.1% 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 42 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.67% ✗
• Cap rate: 4.34%
• Cash-on-cash: -6.97%
• DSCR: 0.69
• GRM: 12.5

CMA / ARV

• ARV (median comp): $279,258
• List price: $165,500
• Delta: -40.74%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
286 County Road 1930	0.14mi	3/2.0	1,568 (0%)	6mo	$125,000	$80	88

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

Projected returns pro-forma

3.64% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.1%
• Equity multiple: 1.18×
• Total profit: $8,513
• Equity at exit: $80,474

10-year hold

• IRR: 6.3%
• Equity multiple: 2.03×
• Total profit: $47,507
• Equity at exit: $128,952

Cash invested: $46,340 (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 35962

• Home prices YoY: 1.4%
• Active inventory: 34
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,107 medium
• Mortgage (P&I): −$868
• Tax est. 1.5%: −$207 /mo · $2,482/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $-269

Break-even live

Break-even rent $1,448

Max offer price $126,569

Occupancy floor —

Sensitivity live

Price	-10% $-155	-5% $-212	+0% $-269	+5% $-326	+10% $-383
Rent	-10% $-357	-5% $-313	+0% $-269	+5% $-225	+10% $-182
Rate	-1.0pp $-186	-0.5pp $-227	base $-269	+0.5pp $-312	+1.0pp $-356

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: $41,375
• Closing costs: $4,965
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-21
   days on market $165,500 Active 42 DOM
2. 2026-06-19
   days on market $165,500 Active 40 DOM
3. 2026-06-18
   days on market $165,500 Active 39 DOM
4. 2026-06-17
   days on market $165,500 Active 38 DOM
5. 2026-06-16
   days on market $165,500 Active 37 DOM
6. 2026-06-15
   days on market $165,500 Active 36 DOM
7. 2026-06-14
   pricedays on market $165,500 Active 34 DOM
8. 2026-06-12
   days on market $175,500 Active 33 DOM
9. 2026-06-09
   days on market $175,500 Active 30 DOM
10. 2026-06-08
    days on market $175,500 Active 29 DOM
11. 2026-06-07
    days on market $175,500 Active 28 DOM
12. 2026-06-07
    days on market $175,500 Active 27 DOM
13. 2026-06-04
    days on market $175,500 Active 24 DOM
14. 2026-06-02
    days on market $175,500 Active 23 DOM
15. 2026-06-01
    days on market $175,500 Active 22 DOM
16. 2026-05-31
    days on market $175,500 Active 21 DOM
17. 2026-05-31
    days on market $175,500 Active 20 DOM
18. 2026-05-10
    listed $175,500 Active 310-char remark

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥103°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 20% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,286
• − Mortgage interest: −$9,271
• − Property taxes: −$2,482
• − Insurance: −$828
• − Repairs & maintenance: −$1,063
• − Management: −$1,063
• − Depreciation: −$4,815
• Taxable loss: −$6,235
• Est. tax savings @ 24.0%: +$1,496
• After-tax cash flow: $-1,732/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: Dekalb County
• NCES district ID: 0101140
• Math proficiency: 18% ▼ -19.00%
• Reading proficiency: 37% ▲ 2.00%
• Median HH income: $36,655
• Composite: 22.78/100
• National rank: #8023
• State rank: #82 of 129 in AL

Livability — Crossville

• Score: 64/100
• State rank: #171
• US rank: #14863

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 8,211

Population outlook (DeKalb County) Hauer SSP2

• Today (2025): 71,722 people
• By 2030: 71,373 · -0.5%
• By 2040: 69,536 · -3.0%
• By 2050: 66,020 · -8.0%
• By 2075: 53,325 · -25.7%
• By 2100: 36,127 · -49.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 19% Two or more races 6% Native American 3%
• Hispanic origin (detail): Mexican 13% Cuban 1%
• Common ancestry: Lithuanian 3% Scottish 2% Romanian 1%
• Foreign-born: 11% · Canada
• Languages at home: 82% English-only · Spanish 17%

Political lean MEDSL · DeKalb

• 2024 margin: Solid R (+74.0) · D 12.7% · R 86.7%
• 2008→2024 swing: -22.7pp toward R · 2008: -51.2pp · 2024: -74.0pp
• All cycles: 2024: R+74.0 2020: R+69.8 2016: R+69.4 2012: R+54.9 2008: R+51.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.64%
• Current HPI: 257.6999
• 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

-5.7% since first listed

2 events — show timeline

• 2026-06-13 Price Changed $165,500 VMLS
• 2026-05-10 Listed $175,500 VMLS

Property tax history

+8.3%/yr

Latest (2018): $106 · +57.9% YoY. Source: county tax records.