910 E 152nd Pl · Phoenix, IL 60426

$195,000

4 bd · 2.0 ba · 1,349 sqft · SingleFamily · 58 Days on market

Built 1996 Fair condition Est $200k · at est.

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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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.6/10.0
• ARV discount +8.5/15.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +0.7/10.0

Listing remarks

Welcome home to this charming, solid, well-maintained, dream. This house is nestled in the quiet community of Phoenix, and boasts 4 bedrooms, 2 full bathrooms. Two of the bedrooms come with walk-in closets. This spacious, functional tri-level residence offers all you are looking for in place to call home. It comes with a cozy living room and a separate sub-level family room accentuated with a fireplace, providing lots of space for entertainment, or just peaceful relaxation. Ready-to-use kitchen with its own pantry, perfect for organizing and storage. There's also enough space for breakfast nook for informal meals, coffee or just chilling while in the kitchen. It also opens to the spacious,

Key facts

• Pantry
• Breakfast nook
• Walk-in closets

Tags

• WALK-IN CLOSETS
• SEPARATE SUB-LEVEL FAMILY ROOM
• FIREPLACE
• READY-TO-USE KITCHEN
• PANTRY
• BREAKFAST NOOK

Property features AI

Finance

• HOA & community: No master association fee required

Exterior

• Parking: Attached garage (owned); Asphalt driveway; 2 garage spaces / 2 total parking spaces
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; Split-level with sub-basement layout; Fee simple ownership
• Construction: Combination construction materials; Approximately 26–30 years old; Not rebuilt or rehabilitated
• Exterior features: School bus service available; Commuter bus access; Interstate access

Interior

• Kitchen: Kitchen on main level (8 x 9)
• Bedrooms: 4 bedrooms; Master bedroom on the second level (13 x 10); Additional bedrooms on the second level: 11 x 7, 10 x 9, 10 x 9
• Bathrooms: 2 full bathrooms
• Heating & cooling: Natural gas and electric heating; Central air conditioning
• Interior features: 8 total rooms; One fireplace in the family room
• Laundry & utility: Laundry room on lower level (7 x 15)

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $195k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $755 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $195k).
• Recommended offer: $189k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 75/100 on livability (#230 in IL, #4,248 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, crime A-; Watch: health & safety C-, schools F, amenities F.
• Thornton Twp Hsd 205 (suburban): math 7% / reading 8% proficiency, ranked #594 of 620 in IL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 134 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).

Forward outlook

• In year one you build about $21k of equity ($1k loan paydown + $20k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 58 days — a 3% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $189,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-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. 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: 1.36% ✓
• Cap rate: 10.94%
• Cash-on-cash: 16.58%
• DSCR: 1.74
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $199,652
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
910 E 152nd Pl	0.00mi	4/2.0	1,349 (0%)	0mo	$190,000	$141	100
14947 Riverside Dr	0.35mi	4/2.0	1,491 (+10%)	6mo	$215,000	$144	61
15444 State St	0.39mi	3/2.5 (-1)	1,254 (-7%)	2mo	$207,000	$165	61
536 E 155th St	0.59mi	4/2.0	1,423 (+6%)	7mo	$245,000	$172	57
34 E 159th St	0.66mi	3/1.5 (-1)	1,378 (+2%)	2mo	$244,900	$178	57
14925 Riverside Dr	0.39mi	3/1.0 (-1)	1,472 (+9%)	3mo	$70,000	$48	55
15536 State St	0.39mi	3/1.0 (-1)	1,212 (-10%)	4mo	$140,000	$116	53
15711 Lowe Ave	0.73mi	3/1.5 (-1)	1,404 (+4%)	2mo	$232,000	$165	51
14727 Riverside Dr	0.62mi	4/2.0	1,200 (-11%)	3mo	$212,000	$177	50
64 E 158th Pl	0.66mi	3/2.5 (-1)	1,250 (-7%)	3mo	$185,000	$148	48
539 E 147th Pl	0.62mi	4/2.0	1,500 (+11%)	7mo	$210,000	$140	46
15750 Woodlawn West Ave	0.71mi	3/1.0 (-1)	1,210 (-10%)	6mo	$137,000	$113	35

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: 36.6%
• Equity multiple: 3.83×
• Total profit: $154,304
• Equity at exit: $175,671

10-year hold

• IRR: 31.5%
• Equity multiple: 8.63×
• Total profit: $416,684
• Equity at exit: $378,842

Cash invested: $54,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 60426

• Home prices YoY: 6.9%
• Active inventory: 134
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $2,661 high
• Mortgage (P&I): −$1,023
• Tax est. 1.5%: −$244 /mo · $2,925/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$559
• Net cashflow: $755

Break-even live

Break-even rent $1,706

Max offer price $195,000

Occupancy floor 67%

Sensitivity live

Price	-10% $889	-5% $822	+0% $755	+5% $687	+10% $620
Rent	-10% $544	-5% $650	+0% $755	+5% $860	+10% $965
Rate	-1.0pp $853	-0.5pp $804	base $755	+0.5pp $704	+1.0pp $653

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14844 Wabash Ave Dolton, IL	3.0	1.5	1277	$2,320	$1.82	25d	1	0.83mi
15509 Park Ln South Holland, IL	4.0	1.5	1200	$3,400	$2.83	8d	1	1.14mi
15509 Park Ln South Holland, IL	4.0	1.5	1200	$3,400	$2.83	25d	1	1.14mi
16048 Halsted St Unit 2 Harvey, IL	3.0	1.0	1091	$1,650	$1.51	25d	1	1.24mi
14916 Langley Ave Dolton, IL	3.0	1.5	1418	$2,500	$1.76	25d	1	1.47mi

Listing history 4 events

1. 2026-05-09
   status Pending
2. 2026-04-17
   status Active
3. 2026-04-10
   status Pending
4. 2026-03-05
   listed $195,000 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,932
• − Mortgage interest: −$10,923
• − Property taxes: −$2,925
• − Insurance: −$975
• − Repairs & maintenance: −$2,555
• − Management: −$2,555
• − Depreciation: −$5,673
• Taxable income: $6,327
• Est. tax owed @ 24.0%: −$1,519
• After-tax cash flow: $7,537/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 · 13 photos

Fair 45/100 Moderate rehab

This home requires moderate repairs and maintenance, with a focus on exterior siding and interior paint. Upgrades to the exterior and flooring would significantly enhance its resale and rental value.

Repairs flagged

• Moderate Exterior siding — Weathered appearance
• Minor Interior paint — Faded appearance

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value
• Both Replace carpet — Improves comfort and appearance

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exterior siding · Weathered appearance	Moderate	$3,000–15,000
Interior paint · Faded appearance	Minor	$500–3,000
Total estimated repair cost · 2 items		$3,500–18,000

Value-add ROI direction

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Replace carpet — Improves comfort 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: Thornton Twp Hsd 205
• NCES district ID: 1738970
• Math proficiency: 7% ▬ 0.00%
• Reading proficiency: 8% ▼ -2.00%
• Median HH income: $43,392
• Composite: 6.92/100
• National rank: #9976
• State rank: #594 of 620 in IL

Livability — Phoenix

• Score: 75/100
• State rank: #230
• US rank: #4248

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Phoenix, IL
• Population (ZIP): 23,066

Population outlook (Cook County) Hauer SSP2

• Today (2025): 5,347,519 people
• By 2030: 5,357,703 · +0.2%
• By 2040: 5,324,924 · -0.4%
• By 2050: 5,230,762 · -2.2%
• By 2075: 4,785,735 · -10.5%
• By 2100: 4,188,836 · -21.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (59%)
• Race & ethnicity: Black 59% Hispanic / Latino 33% Two or more races 12% White 3% Asian 2%
• Hispanic origin (detail): Mexican 31%
• Foreign-born: 17% · Canada
• Languages at home: 67% English-only · Spanish 30% Other Indo-European 2% French/Haitian/Cajun 1%

Political lean MEDSL · Cook

• 2024 margin: Solid D (+42.0) · D 70.4% · R 28.4% · Other 1.2%
• 2008→2024 swing: -11.4pp toward R · 2008: 53.4pp · 2024: 42.0pp
• All cycles: 2024: D+42.0 2020: D+50.3 2016: D+53.0 2012: D+49.4 2008: D+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.36%
• Current HPI: 313.7895
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

4 events — show timeline

• 2026-05-09 Pending — MRED as Distributed by MLS Grid
• 2026-04-17 Relisted — MRED as Distributed by MLS Grid
• 2026-04-10 Pending — MRED as Distributed by MLS Grid
• 2026-03-05 Listed $195,000 MRED as Distributed by MLS Grid