3902 Navaho Ln · The Hideout, PA 18436

$239,900

3 bd · 2.0 ba · 1,440 sqft · SingleFamily · 5 Days on market

Built 1977 Fair condition 0.37 ac lot Est $302k · 21% under $194/mo HOA · 9% of rent

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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).

• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +9.0/30.0
• Schools +4.4/10.0
• 1% rule +3.8/10.0
• Livability +3.6/5.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 2nd, SqFt Fin - Main: 700.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 500.00

Key facts

• Open eat-in kitchen
• Modern updates
• Tile flooring

Tags

• MODERN UPDATES
• LARGE FRONT DECK
• PRIVATE BACKYARD VIEWS
• OPEN EAT-IN KITCHEN
• STORAGE OR PANTRY CLOSET
• TILE FLOORING

Property features AI

Finance

• Other: Located in The Hideout subdivision; private maintained road with road maintenance agreement; lot features include greenbelt, wooded, private and level
• HOA & community: Homeowners association with numerous amenities including pool, clubhouse, tennis courts, fitness center, playground, park, golf, lake access, marina, jogging paths, trails, barbecue areas, picnic areas, recreation rooms, game rooms, party/meeting rooms, dog park, RV/boat storage and more; Annual association fee and other assessed fees apply (association fee information reported)

Exterior

• Parking: Driveway (unpaved, gravel)
• Security: Gated community; Security service
• Utilities: Public water; Public sewer; 200+ amp electric service; Cable available and connected; Water, sewer and electricity connected
• Home design: Single-family house; Three or more levels; Residential zoning
• Construction: Asphalt roof; Block foundation; Built as a house (above- and below-grade finished areas reported)
• Exterior features: Private yard; Deck; Community pool; Shed(s); Has view

Interior

• Kitchen: Electric range; Electric oven; Refrigerator
• Bedrooms: 6 rooms total
• Flooring: Hardwood; Tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Electric heating; Fireplace heating; Ceiling fan(s) for cooling
• Interior features: Beamed ceilings; Open floorplan; Eat-in kitchen; Finished full basement with walk-out and walk-up access; Fireplace (living room, propane)
• Laundry & utility: Washer; Dryer; Laundry closet on lower level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-188 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $213k (11.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $211k (12.2% below list).
• Recommended offer: $211k (12.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#668 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: schools D, amenities F, commute F.
• Western Wayne SD (rural): math 39% / reading 63% proficiency, ranked #165 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 340 active listings in the ZIP; 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $26k of equity ($2k loan paydown + $24k appreciation (10.0% local appreciation)).
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 20y 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.
• Current owner paid $130k; list at $240k implies a 84% gain — meaningful room to come down on a strong offer.

Recommended offer $210,613 (12.2% 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. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.88% ✗
• Cap rate: 5.35%
• Cash-on-cash: -3.36%
• DSCR: 0.85
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $302,400
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16 Par Ct	0.42mi	3/2.0	1,444 (+0%)	9mo	$250,000	$173	73
38 N Fairway Dr	0.33mi	3/2.0	1,336 (-7%)	6mo	$280,000	$210	68
38 N Fairway Dr Lot 2953	0.33mi	3/2.0	1,336 (-7%)	6mo	$280,000	$210	68
2722 Pebble Ct Unit 10 Pebble Ct. Lake Ariel, PA 18436	0.62mi	3/2.0	1,405 (-2%)	1mo	$284,000	$202	66
46 Wedge Dr	0.19mi	3/2.5	1,572 (+9%)	10mo	$359,900	$229	66
183 Chestnuthill Dr	0.49mi	3/2.0	1,301 (-10%)	6mo	$245,000	$188	56
59 W Shore Dr	0.62mi	2/2.0 (-1)	1,486 (+3%)	9mo	$529,000	$356	54
47 S Fairway Dr	0.39mi	2/2.0 (-1)	1,569 (+9%)	11mo	$215,000	$137	53
319 Northgate Rd Rd	0.65mi	3/2.0	1,330 (-8%)	6mo	$264,000	$198	52
2894 S Fairway Dr	0.38mi	4/2.0 (+1)	1,650 (+15%)	2mo	$305,000	$185	51
37 Bear Dr	0.57mi	2/2.0 (-1)	1,272 (-12%)	6mo	$295,000	$232	44
43 Bear Dr	0.60mi	3/2.0	1,235 (-14%)	10mo	$299,900	$243	40

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.9%
• Equity multiple: 2.77×
• Total profit: $118,830
• Equity at exit: $216,121

10-year hold

• IRR: 19.7%
• Equity multiple: 6.35×
• Total profit: $359,653
• Equity at exit: $466,073

Cash invested: $67,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Pennsylvania: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 18436

• Home prices YoY: 16.9%
• Active inventory: 340
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,106 medium
• Mortgage (P&I): −$1,258
• Tax est. 1.5%: −$300 /mo · $3,598/yr
• Insurance: −$100
• HOA: −$194
• Vacancy / Maint / Mgmt: −$442
• Net cashflow: $-188

Break-even live

Break-even rent $2,344

Max offer price $212,689

Occupancy floor —

Sensitivity live

Price	-10% $-22	-5% $-105	+0% $-188	+5% $-271	+10% $-354
Rent	-10% $-354	-5% $-271	+0% $-188	+5% $-105	+10% $-22
Rate	-1.0pp $-67	-0.5pp $-127	base $-188	+0.5pp $-250	+1.0pp $-313

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $194 · $2,328/yr

Listing history 12 events

1. 2026-06-03
   status $239,900 Pending 5 DOM
2. 2026-06-02
   days on market $239,900 Active 5 DOM
3. 2026-06-01
   days on market $239,900 Active 4 DOM
4. 2026-05-31
   days on market $239,900 Active 3 DOM
5. 2026-05-30
   days on market $239,900 Active 2 DOM
6. 2026-05-28
   listed $239,900 Active
7. 2019-05-24
   soldstatus $130,100 168-char remark

   Show marketing remark (168 chars)

   Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 2nd, SqFt Fin - Main: 700.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 500.00

8. 2019-05-24
   soldstatus $127,000

   Show marketing remark (168 chars)

   Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 2nd, SqFt Fin - Main: 700.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 500.00

9. 2018-10-31
   listed $124,900
10. 2018-02-14
    soldstatus $31,000
11. 2017-05-17
    listed $36,125
12. 2006-05-04
    listed $140,000

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,274
• − Mortgage interest: −$13,438
• − Property taxes: −$3,598
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,022
• − Management: −$2,022
• − HOA: −$2,328
• − Depreciation: −$6,979
• Taxable loss: −$6,313
• Est. tax savings @ 24.0%: +$1,515
• After-tax cash flow: $-741/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

The home requires moderate repairs and maintenance to improve its condition and value. Repairs to wooden beams, wall paneling, siding, and flooring are needed, along with painting. These updates will enhance the home's curb appeal and interior aesthetics, making it more attractive for both resale and rental.

Repairs flagged

• Minor wooden beams — slight discoloration
• Minor wooden wall paneling — slight discoloration
• Minor wood siding — slight discoloration
• Minor wooden flooring — slight discoloration

Value-add opportunities

• Both paint exterior and interior — enhances curb appeal and interior aesthetics
• Both repair wooden beams — improves structural integrity and appearance
• Both repair wooden wall paneling — improves structural integrity and appearance
• Both repair wooden siding — improves structural integrity and appearance
• Both repair wooden flooring — improves structural integrity and appearance

Renovation cost estimate screening

Repair item	Severity	Est. cost
wooden beams · slight discoloration	Minor	$500–3,000
wooden wall paneling · slight discoloration	Minor	$500–3,000
wood siding · slight discoloration	Minor	$500–3,000
wooden flooring · slight discoloration	Minor	$500–3,000
Total estimated repair cost · 4 items		$2,000–12,000

Value-add ROI direction

• Both paint exterior and interior — enhances curb appeal and interior aesthetics ↑
• Both repair wooden beams — improves structural integrity and appearance ↑
• Both repair wooden wall paneling — improves structural integrity and appearance ↑
• Both repair wooden siding — improves structural integrity and appearance ↑
• Both repair wooden flooring — improves structural integrity and appearance ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Western Wayne SD
• NCES district ID: 4226070
• Math proficiency: 39% ▼ -12.00%
• Reading proficiency: 63% ▼ -6.00%
• Median HH income: $51,358
• Composite: 43.65/100
• National rank: #2964
• State rank: #165 of 539 in PA

Livability — The Hideout

• Score: 72/100
• State rank: #668
• US rank: #6516

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: The Hideout, PA
• Population (ZIP): 13,225

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 47,924 people
• By 2030: 46,191 · -3.6%
• By 2040: 42,815 · -10.7%
• By 2050: 39,873 · -16.8%
• By 2075: 34,556 · -27.9%
• By 2100: 28,358 · -40.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Scotch-Irish 2% Iranian 2%
• Foreign-born: 4%
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Russian/Polish/Slavic 1% Spanish 1%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+37.1) · D 31.1% · R 68.2%
• 2008→2024 swing: -24.8pp toward R · 2008: -12.3pp · 2024: -37.1pp
• All cycles: 2024: R+37.1 2020: R+33.6 2016: R+39.7 2012: R+20.9 2008: R+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 47.95%
• Current HPI: 331.9645
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

Industry mix (Fortune 500 HQ in PA)

Industry	F500 HQs	Revenue
▸Healthcare	2	$309B
▸Insurance	2	$27B
▸Telecommunications / Media	1	$124B
▸Industrial Distribution	1	$22B
▸Financial Services	1	$20B
▸Chemicals / Materials	1	$18B

Price history

+71.4% since first listed

7 events — show timeline

• 2026-05-28 Listed $239,900 PWMLS
• 2019-05-24 Sold (MLS) $127,000 PWMLS
• 2019-05-24 Sold (MLS) $130,100 GSBR as distributed by MLS GRID
• 2018-10-31 Listed $124,900 PWMLS
• 2018-02-14 Sold (MLS) $31,000 PMAR
• 2017-05-17 Listed $36,125 PMAR
• 2006-05-04 Listed $140,000 GSBR as distributed by MLS GRID