220 Sinclair Ave · Prichard, AL 36610

$140,160

4 bd · 1.5 ba · 1,274 sqft · SingleFamily public records · 29 Days on market

Built 1984 4,874 sqft lot

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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 +19.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.2/10.0
• Appreciation +5.2/10.0
• 1% rule +3.9/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks

4 BEDROOMS! Excellent family home MOVE-IN READY! LARGE LIVING ROOM! HUGE KITCHEN has eat-in area and appliances remain. Generous sized bedrooms. Master bedroom has a walk-in closet and half bath attached. Easy to clean flooring. Separate laundry room. NEW water heater. Metal Roof 3 years young. Covered front porch. Extra-long concrete driveway for multiple vehicles. Empty lot next door. Situated near Interstate 65 and 165 for a quick commute to Downtown Mobile! Great starter home, rental for investor, or AirBnb. A MUST SEE IN THIS PRICE RANGE! VRM: Seller entertaining offers between $140,000-$160,000.

Key facts

• Move-in ready
• Covered front porch
• Metal roof

Tags

• MOVE-IN READY
• HUGE KITCHEN
• WALK-IN CLOSET
• NEW WATER HEATER
• METAL ROOF
• COVERED FRONT PORCH

Property features AI

Exterior

• Parking: Driveway; Level driveway
• Utilities: Electricity available; Natural gas available; Public sewer; Water available
• Home design: Single family residence; Residential property
• Construction: Vinyl siding; Metal roof; Concrete perimeter foundation
• Exterior features: Awnings; Back yard fencing; View available

Interior

• Kitchen: Eat-in kitchen; Electric oven; Electric range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Walk-in closets; Additional/other interior features
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $158 ($2k/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 $125k (10.9% below list).
• Recommended offer: $125k (10.9% below list) — sets the bar for 1% rule.
• Cap rate 7.6% vs local median 11.4% in Prichard — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 54/100 on livability (#472 in AL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: schools D-, crime F, amenities F.
• Mobile County (urban): math 15% / reading 39% proficiency, ranked #81 of 129 in AL (top 63%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 41 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($969 loan paydown + $522 appreciation (0.4% local appreciation)).
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (0.4% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $124,853 (10.9% below list)

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. 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?
3. 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?
4. 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.
5. 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.
6. 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: 0.89% ✗
• Cap rate: 7.65%
• Cash-on-cash: 4.83%
• DSCR: 1.22
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $43,316
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
407 Garrison Ave	0.14mi	3/2.0 (-1)	1,222 (-4%)	1mo	$50,000	$41	78
614 Gehrig Ave	0.57mi	3/2.0 (-1)	1,263 (-1%)	5mo	$42,400	$34	61
1700 Dade St	0.44mi	3/1.0 (-1)	1,245 (-2%)	10mo	$19,000	$15	60
1603 Ace St	0.36mi	4/2.0	1,175 (-8%)	12mo	$40,000	$34	58
643 Gehrig Ave	0.63mi	3/2.0 (-1)	1,308 (+3%)	4mo	$76,000	$58	56
215 Book Ave	0.30mi	4/2.0	1,444 (+13%)	13mo	$40,000	$28	51
515 Gilbert St	0.67mi	3/1.0 (-1)	1,154 (-9%)	3mo	$10,000	$9	43
210 Irby St	0.63mi	3/1.0 (-1)	1,416 (+11%)	13mo	$73,500	$52	34
609 Gehrig Ave	0.56mi	3/2.0 (-1)	1,458 (+14%)	11mo	$59,000	$40	34
211 Williams Ave S	0.64mi	3/2.0 (-1)	1,392 (+9%)	23mo	$13,500	$10	28
720 College St N	0.70mi	3/1.0 (-1)	1,458 (+14%)	23mo	$28,000	$19	17

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

Projected returns pro-forma

0.37% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.4%
• Equity multiple: 1.21×
• Total profit: $8,371
• Equity at exit: $43,326

10-year hold

• IRR: 9.3%
• Equity multiple: 2.05×
• Total profit: $41,202
• Equity at exit: $54,226

Cash invested: $39,245 (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 36610

• Home prices YoY: 0.9%
• Active inventory: 41
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,249 medium
• Mortgage (P&I): −$735
• Tax from tax record: −$35 /mo · $418/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $158

Break-even live

Break-even rent $1,048

Max offer price $140,160

Occupancy floor 82%

Sensitivity live

Price	-10% $237	-5% $198	+0% $158	+5% $118	+10% $79
Rent	-10% $59	-5% $109	+0% $158	+5% $207	+10% $257
Rate	-1.0pp $229	-0.5pp $194	base $158	+0.5pp $122	+1.0pp $85

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: $35,040
• Closing costs: $4,205
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 Dairy Rd Mobile, AL	2.0–3.0	2.0	999	$1,100	$1.10	14d	1	1.26mi
1821 Seale St Mobile, AL	4.0	2.0	1584	$1,400	$0.88	21d	1	1.32mi

Listing history 17 events

1. 2026-06-18
   days on market $140,160 Active 29 DOM
2. 2026-06-17
   days on market $140,160 Active 28 DOM
3. 2026-06-16
   days on market $140,160 Active 27 DOM
4. 2026-06-15
   days on market $140,160 Active 26 DOM
5. 2026-06-14
   days on market $140,160 Active 24 DOM
6. 2026-06-13
   days on market $140,160 Active 23 DOM
7. 2026-06-10
   days on market $140,160 Active 21 DOM
8. 2026-06-09
   days on market $140,160 Active 20 DOM
9. 2026-06-08
   days on market $140,160 Active 19 DOM
10. 2026-06-07
    days on market $140,160 Active 18 DOM
11. 2026-06-05
    days on market $140,160 Active 15 DOM
12. 2026-06-03
    days on market $140,160 Active 14 DOM
13. 2026-06-02
    days on market $140,160 Active 13 DOM
14. 2026-06-01
    days on market $140,160 Active 12 DOM
15. 2026-05-31
    days on market $140,160 Active 11 DOM
16. 2026-05-30
    days on market $140,160 Active 10 DOM
17. 2026-05-20
    listed $140,160 Active

ⓘ 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: $418 · $35/mo
• Projected year-2 tax: $575 · $48/mo
• Expected delta: +$156/yr (+$13/mo · 37.4%)

ⓘ 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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $14,982
• − Mortgage interest: −$7,851
• − Property taxes: −$418
• − Insurance: −$701
• − Repairs & maintenance: −$1,199
• − Management: −$1,199
• − Depreciation: −$4,077
• Taxable loss: −$462
• Est. tax savings @ 24.0%: +$111
• After-tax cash flow: $2,008/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: Mobile County
• NCES district ID: 0102370
• Math proficiency: 15% ▼ -28.00%
• Reading proficiency: 39% ▬ 0.00%
• Median HH income: $42,455
• Composite: 22.9/100
• National rank: #8002
• State rank: #81 of 129 in AL

Livability — Prichard

• Score: 54/100
• State rank: #472
• US rank: #24080

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prichard, AL
• City population: 13,402
• Population (ZIP): 9,692

Population outlook (Mobile County) Hauer SSP2

• Today (2025): 415,303 people
• By 2030: 411,755 · -0.9%
• By 2040: 399,670 · -3.8%
• By 2050: 382,616 · -7.9%
• By 2075: 337,353 · -18.8%
• By 2100: 283,391 · -31.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (97%)
• Race & ethnicity: Black 97% Hispanic / Latino 1% White 1%
• Foreign-born: 0%

Political lean MEDSL · Mobile

• 2024 margin: R (+16.4) · D 41.3% · R 57.7%
• 2008→2024 swing: -7.7pp toward R · 2008: -8.7pp · 2024: -16.4pp
• All cycles: 2024: R+16.4 2020: R+11.9 2016: R+13.9 2012: R+9.3 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.37%
• Current HPI: 42.6203
• 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

1 event — show timeline

• 2026-05-20 Listed $140,160 GCMLS AL

Property tax history

-0.4%/yr

Latest (2025): $418 · +1.2% YoY. Source: county tax records.