5996 Tyler Loop Rd · Pinson, AL 35126

$174,900

3 bd · 2.0 ba · 1,356 sqft · SingleFamily public records · 35 Days on market

Built 1979 0.40 ac lot $129/sqft · 14% below area Est $204k · 14% under

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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 +18.4/30.0
• ARV discount +13.8/15.0
• DSCR +5.8/10.0
• 1% rule +4.3/10.0
• Livability +3.0/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this precious 3 bedroom 2 full bath home on a large lot. The family room is large and is big enough for the whole family to gather. The open kitchen overlooks the private backyard and has a cozy den with a fireplace. HVAC 2020, Water Heater 2021, Roof 2009, New paint throughout and new carpet in bedrooms. Approximately 1756 sq ft per seller!

Key facts

• Large family room
• Private backyard
• Stainless appliances

Tags

• SPACIOUS LAYOUT
• LARGE FAMILY ROOM
• L-SHAPED LIVING AREA
• PRIVATE BACKYARD
• STAINLESS APPLIANCES
• GRANITE COUNTERS

Property features AI

Finance

• Financial info: Fire fee assessed yearly ($300); Garbage fee assessed quarterly ($55)
• HOA & community: No association fee

Exterior

• Parking: Driveway parking; Parking on the main level; 1 carport space
• Utilities: Public water; Septic system; Gas water heater; Internet available
• Home design: Existing home; Single-story layout (rooms listed at main level); Brick over foundation with vinyl siding; Crawl space foundation
• Construction: Brick over foundation exterior; Vinyl siding
• Exterior features: Open patio; Open deck; Storage building; No pool; No garden view

Interior

• Kitchen: Dishwasher (built-in); Refrigerator; Electric stove; Solid surface countertops
• Bedrooms: Master bedroom on main level; Additional bedrooms on main level
• Flooring: Carpet; Hardwood; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Crown molding; Gas fireplace with insert in the den; Eating area
• Laundry & utility: Main level laundry room; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $97 ($1k/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 $162k (7.4% below list).
• Recommended offer: $162k (7.4% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 5.3% in Pinson — 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 60/100 on livability (#289 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety 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: Kermit Johnson School (math 12% / reading 32%, grade F, #442 of 627 statewide, top 72%, 606 students, 62% FRL); Pinson Valley High School (math 6% / reading 17%, grade F, #246 of 305 statewide, top 81%, 1,029 students, 81% FRL) — zoned schools average 71% FRL vs 49% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 186 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 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 $5k 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

• It's been on market 35 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; 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 $161,996 (7.4% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 0.93% ✗
• Cap rate: 7.42%
• Cash-on-cash: 4.02%
• DSCR: 1.18
• GRM: 9.0

CMA / ARV

• ARV (median comp): $203,600
• List price: $174,900
• Delta: -14.10%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5100 Willow Ridge Dr	0.14mi	3/2.0	1,290 (-5%)	12mo	$150,000	$116	76
5559 Saddle Ridge Dr	0.36mi	3/2.0	1,400 (+3%)	4mo	$220,000	$157	75
5801 Stonearbor Pl	0.25mi	3/2.0	1,442 (+6%)	7mo	$223,000	$155	72
5007 Stonearbor Dr	0.34mi	3/2.0	1,414 (+4%)	10mo	$205,000	$145	69
5414 Saddle Ridge Ln	0.45mi	3/2.0	1,444 (+6%)	1mo	$230,000	$159	68
5826 Willow Crest Dr	0.38mi	3/2.0	1,434 (+6%)	9mo	$167,500	$117	65
5120 Willow Ridge Dr	0.15mi	3/2.0	1,546 (+14%)	18mo	$165,900	$107	54
5950 Honeysuckle Cir	0.29mi	3/2.0	1,474 (+9%)	22mo	$220,000	$149	53
5162 Willow Ridge Ln	0.49mi	3/1.0	1,482 (+9%)	7mo	$80,000	$54	52
6133 Judy Cir	0.64mi	3/2.0	1,448 (+7%)	18mo	$250,000	$173	44
6419 Tyler Loop Rd	0.69mi	4/2.0 (+1)	1,430 (+6%)	14mo	$191,000	$134	42
6241 Anne Dr	0.64mi	3/2.0	1,460 (+8%)	19mo	$235,000	$161	41

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 · 1.61% rent growth · sell at horizon

5-year hold

• IRR: -14.1%
• Equity multiple: 0.50×
• Total profit: $-24,364
• Equity at exit: $26,078

10-year hold

• IRR: -7.6%
• Equity multiple: 0.55×
• Total profit: $-22,111
• Equity at exit: $15,122

Cash invested: $48,972 (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 35126

• Home prices YoY: -22.4%
• Rents YoY: 1.6%
• Active inventory: 186
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,620 high
• Mortgage (P&I): −$917
• Tax from tax record: −$126 /mo · $1,510/yr
• Insurance: −$73
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $97

Break-even live

Break-even rent $1,497

Max offer price $174,900

Occupancy floor 89%

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5944 Tyler Loop Rd Pinson, AL	3.0	2.0	1247	$1,485	$1.19	23d	1	0.10mi
5764 Desoto Dr Pinson, AL	3.0	1.5	1104	$1,225	$1.11	2d	1	0.57mi
5520 Desoto Cir Pinson, AL	3.0	2.0	1720	$1,823	$1.06	11d	1	0.81mi
3104 Cobblestone Dr Birmingham, AL	3.0	1.5	1533	$1,516	$0.99	3d	1	1.05mi
4246 Centerwood Dr Birmingham, AL	3.0	2.0	1336	$1,450	$1.09	16d	1	1.07mi
1104 Oak Creek Trl NE Birmingham, AL	3.0	2.0	1233	$1,543	$1.25	2d	1	1.09mi
4464 Winchester Hills Ln Pinson, AL	3.0	2.0	1500	$1,750	$1.17	11d	1	1.11mi
4464 Winchester Hills Way Birmingham, AL	3.0	2.0	1178	$1,750	$1.49	43d	1	1.12mi
5505 Leighaven Way Pinson, AL	3.0	2.5	1682	$2,000	$1.19	10d	1	1.23mi
5140 Hickory Dr NE Pinson, AL	3.0	1.5	1518	$1,465	$0.97	21d	1	1.33mi
6541 Womack Rd Pinson, AL	3.0	2.0	1146	$1,470	$1.28	23d	1	1.36mi
5653 Cheryl Dr Pinson, AL	3.0	2.0	1015	$1,220	$1.20	11d	1	1.39mi
6568 Davison Rd Pinson, AL	3.0	2.0	1054	$1,435	$1.36	43d	1	1.39mi
4832 Deer Foot Cv Pinson, AL	3.0	2.0	1714	$1,556	$0.91	21d	1	1.40mi
4800 Deer Foot Cv Pinson, AL	3.0	2.0	1550	$1,730	$1.12	43d	1	1.44mi
6594 Davison Rd Pinson, AL	3.0	2.0	1304	$1,650	$1.27	23d	1	1.44mi
6599 Womack Rd Pinson, AL	4.0	2.0	1650	$1,870	$1.13	2d	1	1.46mi
2504 Beechwood Trl Pinson, AL	3.0	2.0	1359	$1,435	$1.06	21d	1	1.47mi

Listing history 30 events

1. 2026-06-18
   days on market $174,900 Active 35 DOM
2. 2026-06-17
   days on market $174,900 Active 34 DOM
3. 2026-06-16
   days on market $174,900 Active 33 DOM
4. 2026-06-15
   days on market $174,900 Active 32 DOM
5. 2026-06-13
   days on market $174,900 Active 30 DOM
6. 2026-06-10
   days on market $174,900 Active 27 DOM
7. 2026-06-09
   pricedays on market $174,900 Active 26 DOM
8. 2026-06-08
   days on market $177,900 Active 25 DOM
9. 2026-06-07
   days on market $177,900 Active 24 DOM
10. 2026-06-03
    days on market $177,900 Active 20 DOM
11. 2026-06-02
    days on market $177,900 Active 19 DOM
12. 2026-06-01
    days on market $177,900 Active 18 DOM
13. 2026-05-31
    days on market $177,900 Active 17 DOM
14. 2026-05-14
    listed $182,900 Active 685-char remark
15. 2025-03-24
    historical $1,425
16. 2025-03-13
    listed $1,425
17. 2023-11-14
    historical $1,375
18. 2023-11-08
    price $1,375
19. 2023-11-03
    price $1,400
20. 2023-10-07
    price $1,425
21. 2023-09-21
    listed
22. 2022-05-26
    soldstatus $190,000
23. 2022-05-24
    soldstatus $190,000 Sold 359-char remark

    Show marketing remark (359 chars)

    Welcome home to this precious 3 bedroom 2 full bath home on a large lot. The family room is large and is big enough for the whole family to gather. The open kitchen overlooks the private backyard and has a cozy den with a fireplace. HVAC 2020, Water Heater 2021, Roof 2009, New paint throughout and new carpet in bedrooms. Approximately 1756 sq ft per seller!

24. 2022-05-03
    historical Contingent 359-char remark

    Show marketing remark (359 chars)

    Welcome home to this precious 3 bedroom 2 full bath home on a large lot. The family room is large and is big enough for the whole family to gather. The open kitchen overlooks the private backyard and has a cozy den with a fireplace. HVAC 2020, Water Heater 2021, Roof 2009, New paint throughout and new carpet in bedrooms. Approximately 1756 sq ft per seller!

25. 2022-04-30
    listed $175,000 Active 359-char remark

    Show marketing remark (359 chars)

    Welcome home to this precious 3 bedroom 2 full bath home on a large lot. The family room is large and is big enough for the whole family to gather. The open kitchen overlooks the private backyard and has a cozy den with a fireplace. HVAC 2020, Water Heater 2021, Roof 2009, New paint throughout and new carpet in bedrooms. Approximately 1756 sq ft per seller!

26. 2022-04-30
    historical $175,000 359-char remark

    Show marketing remark (359 chars)

    Welcome home to this precious 3 bedroom 2 full bath home on a large lot. The family room is large and is big enough for the whole family to gather. The open kitchen overlooks the private backyard and has a cozy den with a fireplace. HVAC 2020, Water Heater 2021, Roof 2009, New paint throughout and new carpet in bedrooms. Approximately 1756 sq ft per seller!

27. 2009-03-27
    soldstatus $123,000
28. 2004-10-18
    soldstatus $103,000
29. 1990-04-14
    soldstatus $42,200
30. 1979-10-01
    soldstatus $39,200

ⓘ 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: $1,510 · $126/mo
• Projected year-2 tax: $1,510 · $126/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,440
• − Mortgage interest: −$9,797
• − Property taxes: −$1,510
• − Insurance: −$1,672
• − Repairs & maintenance: −$1,555
• − Management: −$1,555
• − Depreciation: −$5,088
• Taxable loss: −$1,738
• Est. tax savings @ 24.0%: +$417
• After-tax cash flow: $1,586/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 — Pinson

• Score: 60/100
• State rank: #289
• US rank: #18763

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pinson, AL
• County: Jefferson County · 527,445 people
• City population: 22,599
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 22,599
• Household income: $83,732
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 267.0

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 0.58)
• Race & ethnicity: White 58% Black 28% Hispanic / Latino 8% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Italian 1%
• Foreign-born: 5% · Canada, China, Jamaica
• Languages at home: 92% English-only · Spanish 5% Vietnamese 1% Chinese 0%

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: ▼ -54.52%
• Current HPI: 188.6439
• Rent YoY: ▲ 1.61%
• Metro: Birmingham-Hoover, 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

+346.2% since first listed

19 events — show timeline

• 2026-06-09 Price Changed $174,900 Greater Alabama MLS
• 2026-05-28 Price Changed $177,900 Greater Alabama MLS
• 2026-05-14 Listed $182,900 Greater Alabama MLS
• 2025-03-24 Rental Removed $1,425 RENTLY
• 2025-03-13 Listed for Rent $1,425 RENTLY
• 2023-11-14 Rental Removed $1,375 RENTLY
• 2023-11-08 Price Changed $1,375 RENTLY
• 2023-11-03 Price Changed $1,400 RENTLY
• 2023-10-07 Price Changed $1,425 RENTLY
• 2023-09-21 Listed for Rent — RENTLY
• 2022-05-26 Sold (Public Records) $190,000 Public Records
• 2022-05-24 Sold (MLS) $190,000 Greater Alabama MLS
• 2022-05-03 Contingent — Greater Alabama MLS
• 2022-04-30 Listed $175,000 Greater Alabama MLS
• 2022-04-30 Coming Soon $175,000 Greater Alabama MLS
• 2009-03-27 Sold (Public Records) $123,000 Public Records
• 2004-10-18 Sold (Public Records) $103,000 Public Records
• 1990-04-14 Sold (Public Records) $42,200 Public Records
• 1979-10-01 Sold (Public Records) $39,200 Public Records

Property tax history

+5.6%/yr

Latest (2025): $1,510 · -0.1% YoY. Source: county tax records.