161 Middle St · Jennerstown, PA 15546

$9,900

5 bd · 2.0 ba · 2,005 sqft · SingleFamily public records · 20 Days on market

Built 1900 7,797 sqft lot $5/sqft · 91% below area

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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 +15.0/30.0
• Appreciation +8.3/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

5 bedroom 2 story home Located in Jenners, PA in the North Star school district! Spacious rooms with an large kitchen. First floor bath and laundry hook and oversized living room. Upstairs you will find are 4 bedrooms all generously sized. Tons of storage space, A lot of potential bring your tool box and ideas. Right off route 30

Key facts

• 7,797 sq ft lot
• Built 1900
• Listed 20 days

Property features AI

Exterior

• Parking: On-street parking
• Home design: 2-story home
• Construction: Frame construction; Asphalt roof; Built on an approximately 0.179-acre lot
• Exterior features: Lot dimensions approximately 80 x 97

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Resale condition

🏷️ Possibly a rental listed for sale. The $9,900 price doesn't fit this home's estimated sale value (~$109,611) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $10k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $10k).
• Recommended offer: $10k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#979 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, employment D, amenities F.
• North Star SD (rural): math 38% / reading 60% proficiency, ranked #209 of 539 in PA (top 39%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 3 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $731 of equity ($68 loan paydown + $663 appreciation (6.7% local appreciation)).
• Somerset County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (6.7% appreciation + 3.0% rent growth), your $3k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($10k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $10k (50%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $9,751 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 13.87% ✓
• Cap rate: 129.51%
• Cash-on-cash: 440.07%
• DSCR: 20.58
• GRM: 0.6

CMA / ARV

• ARV (median comp): $109,611
• List price: $9,900
• Delta: -90.97%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
114 Cloud St	0.33mi	4/1.0 (-1)	1,876 (-6%)	10mo	$95,000	$51	57
1933 Lincoln Hwy	0.61mi	4/1.5 (-1)	1,768 (-12%)	20mo	$129,900	$73	28

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

Projected returns pro-forma

6.69% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 25.54×
• Total profit: $68,036
• Equity at exit: $6,661

10-year hold

• IRR: —
• Equity multiple: 54.89×
• Total profit: $149,378
• Equity at exit: $12,477

Cash invested: $2,772 (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 15546

• Home prices YoY: 3.6%
• Active inventory: 3
• Price-to-rent: 0.6×

Monthly cashflow live

• Estimated rent: $1,373 medium
• Mortgage (P&I): −$52
• Tax est. 1.5%: −$12 /mo · $148/yr
• Insurance: −$4
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $1,017

Break-even live

Break-even rent $87

Max offer price $9,900

Occupancy floor 21%

Sensitivity live

Price	-10% $1,023	-5% $1,020	+0% $1,017	+5% $1,013	+10% $1,010
Rent	-10% $908	-5% $962	+0% $1,017	+5% $1,071	+10% $1,125
Rate	-1.0pp $1,022	-0.5pp $1,019	base $1,017	+0.5pp $1,014	+1.0pp $1,011

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: $2,475
• Closing costs: $297
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-05-18
   status Pending 331-char remark
2. 2026-05-01
   price $9,900 331-char remark
3. 2026-04-28
   listed $19,900 Active 331-char remark
4. 2025-10-08
   status Pending
5. 2025-09-24
   status Active
6. 2025-08-07
   status Pending
7. 2025-07-27
   price $9,900
8. 2025-06-17
   listed $24,900 Active

ⓘ 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 5/10 Major FEMA zone X (unshaded) · 64% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,481
• − Mortgage interest: −$555
• − Property taxes: −$148
• − Insurance: −$50
• − Repairs & maintenance: −$1,318
• − Management: −$1,318
• − Depreciation: −$288
• Taxable income: $12,803
• Est. tax owed @ 24.0%: −$3,073
• After-tax cash flow: $9,126/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: North Star SD
• NCES district ID: 4210115
• Math proficiency: 38% ▼ -6.00%
• Reading proficiency: 60% ▼ -8.00%
• Median HH income: $43,457
• Composite: 41.25/100
• National rank: #3528
• State rank: #209 of 539 in PA

Livability — Jennerstown

• Score: 67/100
• State rank: #979
• US rank: #10722

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 875
• Population (ZIP): 618

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 9%
• Common ancestry: Iranian 15% Subsaharan African 3% Lithuanian 2%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.69%
• Current HPI: 193.3862
• 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

-60.2% since first listed

8 events — show timeline

• 2026-05-18 Pending — West Penn MLS
• 2026-05-01 Price Changed $9,900 West Penn MLS
• 2026-04-28 Listed $19,900 West Penn MLS
• 2025-10-08 Pending — CSMLS
• 2025-09-24 Relisted — CSMLS
• 2025-08-07 Pending — CSMLS
• 2025-07-27 Price Changed $9,900 CSMLS
• 2025-06-17 Listed $24,900 CSMLS

Property tax history

+2.9%/yr

Latest (2026): $1,153 · +3.8% YoY. Source: county tax records.