7005 Victor Rd · Mobile, AL 36608

$76,969

2 bd · 1.0 ba · 1,320 sqft · SingleFamily public records · 1 Days on market

Built 1984 9,844 sqft lot

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +4.0/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Excellent investment opportunity with great potential. This property features a practical layout, spacious rooms, and a convenient location.

Key facts

• 9,844 sq ft lot
• Built 1984

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $77k.

Deal economics

• At list price, monthly cash flow is $513 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $77k).
• Cap rate 15.3% vs local median 4.9% in Mobile — 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 75/100 on livability (#20 in AL, #4,262 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, employment D-.
• 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.
• Zoned schools: John Will Elementary School (math 4% / reading 21%, grade F, #534 of 627 statewide, top 85%, 509 students, 89% FRL); Mattie T Blount High School (math 2% / reading 3%, grade F, #291 of 305 statewide, top 100%, 1,176 students, 86% FRL) — zoned schools average 87% FRL vs 67% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 8% at this address vs 27% district-wide (-20 pts) — the specific schools serving this property underperform the Mobile County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+6.2%/yr); 338 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,678 units permitted in Mobile County in 2024 (264 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $532 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Mobile County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 6.2% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; 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 $76,969

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.70% ✓
• Cap rate: 15.33%
• Cash-on-cash: 32.29%
• DSCR: 2.44
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $163,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1059 Greenway Dr W	0.39mi	3/2.0 (+1)	1,332 (+1%)	4mo	$165,000	$124	68
6558 Athey Ct	0.61mi	3/1.5 (+1)	1,264 (-4%)	0mo	$157,000	$124	57
1124 Orangeburg Dr W	0.34mi	3/2.0 (+1)	1,255 (-5%)	20mo	$130,000	$104	50
6414 Felhorn Rd N	0.70mi	3/2.0 (+1)	1,320 (0%)	11mo	$115,000	$87	49
7103 Orchard Dr N	0.73mi	3/1.0 (+1)	1,248 (-6%)	12mo	$160,000	$128	42
7058 Mary Dr	0.47mi	2/2.5	1,422 (+8%)	21mo	$64,000	$45	42
7182 Peachtree Ln N	0.71mi	3/1.0 (+1)	1,208 (-8%)	9mo	$103,000	$85	40
1142 Athey Rd	0.75mi	3/2.0 (+1)	1,404 (+6%)	7mo	$210,000	$150	40
1150 Athey Rd	0.74mi	3/2.0 (+1)	1,404 (+6%)	8mo	$205,000	$146	39
6509 Overlook Rd	0.74mi	3/2.0 (+1)	1,290 (-2%)	20mo	$160,000	$124	36
1661 Orchard Dr W	0.73mi	3/1.0 (+1)	1,200 (-9%)	16mo	$83,000	$69	32
7163 Orchard Dr N	0.75mi	3/1.0 (+1)	1,200 (-9%)	23mo	$149,000	$124	26

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 · 6.15% rent growth · sell at horizon

5-year hold

• IRR: 26.4%
• Equity multiple: 2.14×
• Total profit: $24,517
• Equity at exit: $11,476

10-year hold

• IRR: 35.8%
• Equity multiple: 4.82×
• Total profit: $82,243
• Equity at exit: $6,655

Cash invested: $21,551 (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 36608

• Rents YoY: 6.2%
• Active inventory: 338
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,309 high
• Mortgage (P&I): −$404
• Tax from tax record: −$19 /mo · $225/yr
• Insurance: −$32
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $513

Break-even live

Break-even rent $659

Max offer price $76,969

Occupancy floor 56%

Sensitivity live

Price	-10% $557	-5% $535	+0% $513	+5% $492	+10% $470
Rent	-10% $410	-5% $462	+0% $513	+5% $565	+10% $617
Rate	-1.0pp $552	-0.5pp $533	base $513	+0.5pp $493	+1.0pp $473

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: $19,242
• Closing costs: $2,309
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1255 Amelia Ave Mobile, AL	3.0	1.0	1000	$1,400	$1.40	44d	1	0.23mi
6807 Victor Rd Mobile, AL	3.0	1.0	1100	$1,350	$1.23	44d	1	0.30mi
1257 Devander Dr Mobile, AL	3.0	1.0	1144	$1,200	$1.05	44d	1	0.55mi
1253 Athey Rd Mobile, AL	3.0	2.0	1100	$1,500	$1.36	14d	1	0.64mi
1746 Cody Rd N Mobile, AL	3.0	2.0	1152	$1,200	$1.04	14d	1	0.66mi
6725 Zeigler Blvd Mobile, AL	1.0–2.0	1.0	850	$1,282	$1.51	14d	7	0.69mi
1165 Barker Dr W Mobile, AL	3.0	1.0	900	$950	$1.06	21d	1	0.73mi
1305 Middle Ring Rd Mobile, AL	3.0	1.0	1100	$1,400	$1.27	44d	1	0.88mi
1728 Tew Dr Mobile, AL	2.0	1.0	912	$995	$1.09	44d	1	1.21mi

Listing history 2 events

1. 2026-04-09
   status Pending
2. 2026-04-09
   listed $76,969 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: $225 · $19/mo
• Projected year-2 tax: $316 · $26/mo
• Expected delta: +$90/yr (+$8/mo · 40.2%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,711
• − Mortgage interest: −$4,311
• − Property taxes: −$225
• − Insurance: −$1,182
• − Repairs & maintenance: −$1,257
• − Management: −$1,257
• − Depreciation: −$2,239
• Taxable income: $5,239
• Est. tax owed @ 24.0%: −$1,257
• After-tax cash flow: $4,903/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 — Mobile

• Score: 75/100
• State rank: #20
• US rank: #4262

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mobile, AL
• County: Mobile County · 246,577 people
• City population: 205,729
• Metro: Mobile, AL
• Population (ZIP): 38,890
• Household income: $61,146
• Rent vs Own: 45.8% rent · 54.2% own
• Severe rent burden: 1823.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 56% Black 35% Two or more races 4% Hispanic / Latino 4% Asian 2%
• Common ancestry: Lithuanian 3% Italian 2% Slovak 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 2% Arabic 1% Other Indo-European 1%

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: ▼ -224.52%
• Current HPI: 198.9469
• Rent YoY: ▲ 6.15%
• Metro: Mobile, 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

2 events — show timeline

• 2026-04-09 Pending — GCMLS AL
• 2026-04-09 Listed $76,969 GCMLS AL

Property tax history

-0.2%/yr

Latest (2025): $225 · +9.2% YoY. Source: county tax records.