STERLING 343 Maple Manor Plan · Taylor, PA 18517

$29,000

2 bd · 2.0 ba · 952 sqft · Manufactured · 26 Days on market

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

PORCELAIN TILE THROUGHOUT FLOORING, UPGRADED KITCHEN CABINETS AND BATHROOM VANITIES, 2 WALK IN SHOWERS. BEING SOLD AS IS WHERE IS NO WARRANTY EXPRESSED OR IMPLIED. (Potential buyers must show proof of funds for purchase. Residency applications must be completed for everyone over the age of 18 years of age living in the home. ) SHOWING OF HOME IS BY APPOINTMENT ONLY THROUGH THE MAPLE MANNOR OFFICE, PLEASE CALL TO MAKE AN APPOINTMENT.

Key facts

• Bathroom vanities
• Walk in showers
• Porcelain tile

Tags

• PORCELAIN TILE
• UPGRADED KITCHEN CABINETS
• BATHROOM VANITIES
• WALK IN SHOWERS

Property features AI

Finance

• Other: Living area approximately 952 (unit withheld per instructions)
• Financial info: List price: $29,000

Exterior

• Utilities: Electric service; Natural gas available
• Home design: Single-family plan entry (STERLING Maple Manor)
• Exterior features: Shake roof

Interior

• Bedrooms: 2 bedrooms
• Bathrooms: 2 bathrooms (full)
• Heating & cooling: Heating available (Electric and Natural Gas)
• Interior features: Plan: STERLING Maple Manor

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $29k.

Deal economics

• At list price, monthly cash flow is $979 ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $29k).
• Recommended offer: $29k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#503 in PA, #4,605 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities F, commute F.
• Riverside SD (suburban): math 30% / reading 53% proficiency, ranked #340 of 539 in PA (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 24 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $200 of loan paydown is wiped out by about $870 of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($29k) is reasonable based on typical stale-listing flexibility.

Recommended offer $28,565 (1.5% 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. 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?
3. 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.
4. 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.
5. 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: 5.15% ✓
• Cap rate: 46.82%
• Cash-on-cash: 144.75%
• DSCR: 7.44
• GRM: 1.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: —
• Equity multiple: 8.11×
• Total profit: $57,708
• Equity at exit: $4,324

10-year hold

• IRR: —
• Equity multiple: 17.09×
• Total profit: $130,673
• Equity at exit: $2,507

Cash invested: $8,120 (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 18517

• Home prices YoY: -16.2%
• Active inventory: 24
• Price-to-rent: 1.6×

Monthly cashflow live

• Estimated rent: $1,494 high
• Mortgage (P&I): −$152
• Tax est. 1.5%: −$36 /mo · $435/yr
• Insurance: −$12
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $979

Break-even live

Break-even rent $254

Max offer price $29,000

Occupancy floor 29%

Sensitivity live

Price	-10% $1,000	-5% $990	+0% $979	+5% $969	+10% $959
Rent	-10% $862	-5% $921	+0% $979	+5% $1,038	+10% $1,097
Rate	-1.0pp $994	-0.5pp $987	base $979	+0.5pp $972	+1.0pp $964

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: $7,250
• Closing costs: $870
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18 William St Taylor, PA	3.0	2.0	1056	$1,400	$1.33	14d	1	0.01mi
422 Circle Dr Taylor, PA	1.0	1.0	1000	$1,800	$1.80	44d	1	0.39mi
409 Circle Dr Taylor, PA	1.0	1.0	1000	$1,800	$1.80	44d	1	0.39mi
1264 S 6th Ave Unit 2nd Scranton, PA	2.0	1.0	600	$1,150	$1.92	44d	1	1.31mi
729 W Locust St Scranton, PA	2.0	1.0	875	$1,200	$1.37	21d	1	1.44mi
310 21st Ave Unit 2 Scranton, PA	2.0	1.0	850	$1,000	$1.18	21d	1	1.50mi

Listing history 15 events

1. 2026-06-17
   days on market $29,000 Active 26 DOM
2. 2026-06-16
   days on market $29,000 Active 25 DOM
3. 2026-06-15
   days on market $29,000 Active 24 DOM
4. 2026-06-14
   days on market $29,000 Active 22 DOM
5. 2026-06-13
   days on market $29,000 Active 21 DOM
6. 2026-06-10
   days on market $29,000 Active 19 DOM
7. 2026-06-09
   days on market $29,000 Active 18 DOM
8. 2026-06-08
   days on market $29,000 Active 17 DOM
9. 2026-06-07
   days on market $29,000 Active 16 DOM
10. 2026-06-05
    days on market $29,000 Active 13 DOM
11. 2026-06-03
    days on market $29,000 Active 12 DOM
12. 2026-06-02
    days on market $29,000 Active 11 DOM
13. 2026-06-01
    days on market $29,000 Active 10 DOM
14. 2026-05-31
    days on market $29,000 Active 9 DOM
15. 2026-05-30
    days on market $29,000 Active 8 DOM

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,923
• − Mortgage interest: −$1,624
• − Property taxes: −$435
• − Insurance: −$145
• − Repairs & maintenance: −$1,434
• − Management: −$1,434
• − Depreciation: −$844
• Taxable income: $12,007
• Est. tax owed @ 24.0%: −$2,882
• After-tax cash flow: $8,872/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: Riverside SD
• NCES district ID: 4223250
• Math proficiency: 30% ▼ -7.00%
• Reading proficiency: 53% ▼ -7.00%
• Median HH income: $44,118
• Composite: 35.09/100
• National rank: #5022
• State rank: #340 of 539 in PA

Livability — Taylor

• Score: 74/100
• State rank: #503
• US rank: #4605

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Taylor, PA
• City population: 5,192
• Population (ZIP): 5,192

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 14% Two or more races 8% Black 3% Asian 2%
• Hispanic origin (detail): Puerto Rican 7% Dominican 5%
• Common ancestry: Romanian 20% Subsaharan African 3% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 6% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -36.05%
• Current HPI: 186.5628
• 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