1915 N Bentalou St · Baltimore, MD 21216

$159,900

2 bd · 2.0 ba · 1,200 sqft · Townhouse · 39 Days on market

Built 1920 2,178 sqft lot $133/sqft · 66% above area

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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 +20.0/30.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• 1% rule +4.6/10.0
• Rent growth +4.0/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

Key facts

• Covered front porch
• Cozy gas fireplace
• Open floor plan

Tags

• COVERED FRONT PORCH
• OPEN FLOOR PLAN
• CUSTOM FEATURE WALL
• COZY GAS FIREPLACE
• ABUNDANT CABINETRY
• STAINLESS STEEL APPLIANCES

Property features AI

Finance

• Other: Ownership interest: Ground rent; Accessibility: 2+ access exits; Above-grade finished area reported as approximately 1,200 (estimated); Basement present and unfinished; Annual ground rent listed in income/expense items
• Financial info: Ground rent payment (semi-annually)

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Very good condition; Year built per assessor; major renovation effective 2026; Ground rent interest (ground rent exists)
• Construction: Brick construction; Block foundation
• Exterior features: Awning(s); Patio(s), porch(es), and deck(s)

Interior

• Kitchen: Built-in microwave; Dishwasher; Gas range/oven; Refrigerator; Stainless steel appliances
• Bedrooms: Two bedrooms on the first upper level
• Bathrooms: Two full bathrooms (both on the first upper level)
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Open floor plan with recessed lighting; Breakfast area and dining area; Kitchen island; Ceiling fans; Master bathroom; Tub/shower and walk-in shower
• Laundry & utility: Washer/dryer hookups (laundry on lower floor)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath townhouse listed at $160k.

Deal economics

• At list price, monthly cash flow is $197 ($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 $153k (4.2% below list).
• Recommended offer: $153k (4.2% below list) — sets the bar for 1% rule.
• Cap rate 7.8% vs local median 6.0% in Baltimore — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: schools D, crime F.
• Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.1%/yr); 252 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 44% of the median local income ($42k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $15k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $65k; list at $160k implies a 146% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $153,150 (4.2% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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?
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: 0.96% ✗
• Cap rate: 7.77%
• Cash-on-cash: 5.27%
• DSCR: 1.23
• GRM: 8.7

CMA / ARV

• ARV (median comp): $96,241
• List price: $159,900
• Delta: 66.14%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1537 N Smallwood St	0.31mi	3/1.5 (+1)	1,200 (0%)	3mo	$56,000	$47	76
2820 Woodbrook Ave	0.49mi	3/1.5 (+1)	1,232 (+3%)	2mo	$85,000	$69	64
2305 Poplar Grove St	0.67mi	3/2.0 (+1)	1,200 (0%)	1mo	$118,000	$98	62
2818 Woodbrook Ave	0.49mi	3/1.0 (+1)	1,232 (+3%)	3mo	$45,500	$37	61
2801 Presbury St	0.59mi	3/1.0 (+1)	1,200 (0%)	4mo	$60,000	$50	61
1541 N Pulaski St	0.33mi	3/1.0 (+1)	1,100 (-8%)	3mo	$115,000	$105	59
1603 Clifton Ave	0.46mi	3/1.0 (+1)	1,100 (-8%)	2mo	$130,000	$118	54
1552 N Fulton Ave	0.49mi	3/1.0 (+1)	1,113 (-7%)	4mo	$125,000	$112	53
2727 Baker St	0.52mi	3/1.0 (+1)	1,116 (-7%)	3mo	$125,000	$112	53
2210 Ashburton St	0.50mi	2/1.0	1,024 (-15%)	2mo	$90,000	$88	47
2418 Etting St	0.69mi	2/1.0	1,080 (-10%)	4mo	$53,500	$50	44
3014 Tioga Pkwy	0.51mi	3/1.0 (+1)	1,360 (+13%)	4mo	$180,000	$132	42

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 · 6.1% rent growth · sell at horizon

5-year hold

• IRR: -4.9%
• Equity multiple: 0.81×
• Total profit: $-8,492
• Equity at exit: $23,842

10-year hold

• IRR: 7.8%
• Equity multiple: 1.67×
• Total profit: $30,140
• Equity at exit: $13,825

Cash invested: $44,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 12 Strongly Tenant-Friendly
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City Baltimore: 12 Strongly Tenant-Friendly · D+58

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21216

• Rents YoY: 6.1%
• Active inventory: 252
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,532 high
• Mortgage (P&I): −$839
• Tax from tax record: −$108 /mo · $1,297/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $197

Break-even live

Break-even rent $1,283

Max offer price $159,900

Occupancy floor 82%

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	23d	1	0.07mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	10d	1	0.07mi
2204 Clifton Ave Baltimore, MD	3.0	1.0	1400	$1,450	$1.04	4d	1	0.14mi
1617-A Moreland Ave Unit 2nd Flr Baltimore, MD	2.0	1.0	1500	$1,400	$0.93	43d	1	0.19mi
1930 N Payson St Baltimore, MD	2.0	2.0	980	$1,500	$1.53	23d	1	0.21mi
1617 Moreland Ave Baltimore, MD	2.0	1.0	900	$1,450	$1.61	23d	1	0.23mi
1722 N Monroe St Baltimore, MD	3.0	1.5	1000	$1,350	$1.35	23d	1	0.33mi
2636 W North Ave Baltimore, MD	2.0–3.0	1.0–2.0	975	$1,300	$1.33	4d	1	0.36mi
1501 N Payson St Baltimore, MD	3.0	1.0	1400	$1,550	$1.11	43d	1	0.41mi
1729 N Fulton Ave Baltimore, MD	3.0	2.0	1081	$1,795	$1.66	43d	1	0.43mi
1806 N Mount St Baltimore, MD	3.0	3.0	1200	$1,700	$1.42	20d	1	0.48mi
2636 Pennsylvania Ave Baltimore, MD	1.0–2.0	1.0	846	$956	$1.13	23d	4	0.51mi
2614 Pennsylvania Ave Baltimore, MD	1.0–3.0	1.0–2.0	982	$876	$0.89	4d	4	0.52mi
1624 Westwood Ave Baltimore, MD	3.0	2.0	1000	$1,900	$1.90	43d	1	0.52mi
2231 Orem Ave Baltimore, MD	3.0	1.5	1140	$1,750	$1.54	17d	1	0.52mi
2301 Whittier Ave Unit 1 Baltimore, MD	2.0	1.0	1104	$1,400	$1.27	43d	1	0.54mi
2301 Whittier Ave Unit 2 Baltimore, MD	2.0	2.0	1104	$1,400	$1.27	43d	1	0.54mi
2301 Whittier Ave Unit 3 Baltimore, MD	2.0	2.0	1104	$1,650	$1.49	43d	1	0.54mi
1433 N Fulton Ave Baltimore, MD	2.0	1.0	1200	$1,500	$1.25	43d	1	0.56mi
3401 Woodbrook Ave Unit 1 Baltimore, MD	3.0	1.0	900	$1,199	$1.33	23d	1	0.58mi
2601 Fairview Ave Baltimore, MD	2.0	1.0	700	$1,099	$1.57	43d	1	0.61mi
2330 Bryant Ave Unit 4 Baltimore, MD	2.0	1.0	950	$1,500	$1.58	20d	1	0.62mi
2330 Bryant Ave Unit 2 Baltimore, MD	1.0	1.0	900	$1,350	$1.50	43d	1	0.62mi
1614 N Calhoun St Baltimore, MD	2.0	1.0	950	$1,300	$1.37	43d	1	0.63mi
1515 Retreat St Baltimore, MD	3.0	2.0	1098	$1,800	$1.64	23d	1	0.64mi
1606 Gwynns Falls Pkwy Baltimore, MD	2.0	1.0	748	$1,200	$1.60	23d	1	0.64mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	23d	1	0.64mi
2301 Riggs Ave Baltimore, MD	3.0	2.0	1072	$1,600	$1.49	23d	1	0.65mi
1507 Retreat St Unit 1 Baltimore, MD	3.0	3.0	1098	$2,500	$2.28	43d	1	0.66mi
1534 N Stricker St Baltimore, MD	2.0	1.5	900	$1,475	$1.64	14d	1	0.68mi
1562 N Woodyear St Baltimore, MD	2.0	1.5	788	$1,325	$1.68	23d	1	0.70mi
519 Sanford Pl Baltimore, MD	3.0	1.0	1300	$1,650	$1.27	16d	1	0.73mi
2409 Francis St Baltimore, MD	3.0	1.0	1298	$1,500	$1.16	43d	1	0.74mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	3d	1	0.74mi
3003 W North Ave Baltimore, MD	1.0–2.0	1.0	841	$935	$1.11	2d	3	0.74mi
918 N Bentalou St Baltimore, MD	3.0	1.5	1485	$1,750	$1.18	43d	1	0.75mi
2449 Druid Hill Ave Baltimore, MD	2.0	1.0	1100	$1,800	$1.64	43d	1	0.77mi
2433 Druid Hill Ave Baltimore, MD	2.0	2.5	1092	$1,999	$1.83	43d	1	0.78mi
2906 Reisterstown Rd Baltimore, MD	2.0	1.0	750	$1,299	$1.73	43d	1	0.79mi
2908 Reisterstown Rd Baltimore, MD	2.0	1.0	750	$1,299	$1.73	43d	1	0.79mi

Listing history 22 events

1. 2026-06-18
   days on market $159,900 Active 39 DOM
2. 2026-06-17
   pricedays on market $159,900 Active 38 DOM
3. 2026-06-16
   days on market $169,900 Active 37 DOM
4. 2026-06-15
   days on market $169,900 Active 36 DOM
5. 2026-06-13
   days on market $169,900 Active 34 DOM
6. 2026-06-09
   days on market $169,900 Active 30 DOM
7. 2026-06-08
   days on market $169,900 Active 29 DOM
8. 2026-06-07
   days on market $169,900 Active 28 DOM
9. 2026-06-04
   pricedays on market $169,900 Active 25 DOM
10. 2026-06-03
    days on market $174,900 Active 24 DOM
11. 2026-06-02
    days on market $174,900 Active 23 DOM
12. 2026-06-01
    days on market $174,900 Active 22 DOM
13. 2026-05-31
    days on market $174,900 Active 21 DOM
14. 2026-05-10
    listed $174,900 Active 1568-char remark
15. 2023-05-15
    soldstatus $65,000
16. 2023-04-28
    soldstatus $65,000 Closed 578-char remark

    Show marketing remark (578 chars)

    Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

17. 2023-03-30
    status Pending 578-char remark

    Show marketing remark (578 chars)

    Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

18. 2023-03-11
    price $65,000 578-char remark

    Show marketing remark (578 chars)

    Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

19. 2023-03-06
    price $69,000 578-char remark

    Show marketing remark (578 chars)

    Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

20. 2023-02-17
    listed $79,000 Active 578-char remark

    Show marketing remark (578 chars)

    Awaiting the lucky investor's full renovations, for a profitable resale. Check the After repair value & start preparing your offer for this one, because it's a good deal! Minutes from Coppin State University, with lots of revitalization in the area. 2Br with a den, middle room has no window, so should be utilized as den, instead of 3rd. bedroom. Large front bedroom & mid sized rear bedroom, with rear porch off room. Eat-in kitchen, nice size separate living room & dining rooms, unfinished basement. Fenced rear yard and front porch. Convenient location.

21. 1997-09-24
    soldstatus $28,000
22. 1994-02-23
    soldstatus $7,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MD · Partial reset (capped growth)

• Current annual tax: $1,297 · $108/mo
• Projected year-2 tax: $1,520 · $127/mo
• Expected delta: +$223/yr (+$19/mo · 17.2%)

ⓘ 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 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,378
• − Mortgage interest: −$8,957
• − Property taxes: −$1,297
• − Insurance: −$800
• − Repairs & maintenance: −$1,470
• − Management: −$1,470
• − Depreciation: −$4,652
• Taxable loss: −$267
• Est. tax savings @ 24.0%: +$64
• After-tax cash flow: $2,424/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: Baltimore City Public Schools
• NCES district ID: 2400090
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 16% ▼ -5.00%
• Median HH income: $42,108
• Composite: 10.08/100
• National rank: #9805
• State rank: #24 of 24 in MD

Livability — Baltimore

• Score: 76/100
• State rank: #90
• US rank: #3396

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baltimore, MD
• County: Baltimore City · 558,601 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 29,426
• Household income: $42,031
• Rent vs Own: 49.8% rent · 50.2% own
• Severe rent burden: 2264.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 624,249 people
• By 2030: 621,541 · -0.4%
• By 2040: 609,756 · -2.3%
• By 2050: 597,249 · -4.3%
• By 2075: 552,236 · -11.5%
• By 2100: 513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (91%)
• Race & ethnicity: Black 91% Hispanic / Latino 4% Two or more races 3% White 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% French/Haitian/Cajun 1%

Political lean MEDSL · Baltimore

• 2024 margin: Solid D (+73.0) · D 85.2% · R 12.2% · Other 2.6%
• 2008→2024 swing: -2.5pp toward R · 2008: 75.5pp · 2024: 73.0pp
• All cycles: 2024: D+73.0 2020: D+76.6 2016: D+74.6 2012: D+76.4 2008: D+75.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.42%
• Current HPI: 164.3933
• Rent YoY: ▲ 6.10%
• Metro: Baltimore-Columbia-Towson, MD
• State GDP YoY: ▲ 2.97%
• F500 in state: 12

Industry mix (Fortune 500 HQ in MD)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	1	$71B
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

+2184.3% since first listed

11 events — show timeline

• 2026-06-17 Price Changed $159,900 BRIGHT MLS
• 2026-06-03 Price Changed $169,900 BRIGHT MLS
• 2026-05-10 Listed $174,900 BRIGHT MLS
• 2023-05-15 Sold (Public Records) $65,000 Public Records
• 2023-04-28 Sold (MLS) $65,000 BRIGHT MLS
• 2023-03-30 Pending — BRIGHT MLS
• 2023-03-11 Price Changed $65,000 BRIGHT MLS
• 2023-03-06 Price Changed $69,000 BRIGHT MLS
• 2023-02-17 Listed $79,000 BRIGHT MLS
• 1997-09-24 Sold (Public Records) $28,000 Public Records
• 1994-02-23 Sold (Public Records) $7,000 Public Records

Property tax history

+1.9%/yr

Latest (2025): $1,297 · +10.1% YoY. Source: county tax records.