106 Delrose Dr · Liberty, PA 15133

$95,000

3 bd · 1.0 ba · 1,053 sqft · SingleFamily public records · 67 Days on market

Built 1952 6,242 sqft lot $90/sqft · 30% below area Est $136k · 30% under

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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 +27.4/30.0
• ARV discount +15.0/15.0
• DSCR +9.6/10.0
• 1% rule +7.9/10.0
• Appreciation +7.3/10.0
• Livability +3.6/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Investor opportunity with stable income potential. Solid brick home featuring 3 bedroom and 1 full bath, currently tenant-occupied. Property includes central heat (new furnace 2025) and A/C along with refrigerator, gas range, and washer/dryer, new living room carpet 2025. Well-suited for investors seeking a straightforward, income-producing asset and a strong addition to a rental portfolio. Can be purchased individually or as part of a larger investment portfolio.

Key facts

• 6,242 sq ft lot
• 2 parking spots
• Built 1952

🏷️ Possibly a rental listed for sale. The $95,000 price doesn't fit this home's estimated sale value (~$136,336) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $279 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $89k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 6.2% in Liberty — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 72/100 on livability (#659 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, health & safety D, amenities F.
• South Allegheny SD (suburban): math 23% / reading 44% proficiency, ranked #430 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 39 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($657 loan paydown + $4k appreciation (4.5% local appreciation)).
• At projected returns (4.5% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 67 days — a 6% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 25y 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 $31k; list at $95k implies a 206% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $89,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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.
7. 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.
8. 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: 1.29% ✓
• Cap rate: 9.82%
• Cash-on-cash: 12.59%
• DSCR: 1.56
• GRM: 6.5

CMA / ARV

• ARV (median comp): $136,336
• List price: $95,000
• Delta: -30.32%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2911 Valley St	0.30mi	3/1.0	1,073 (+2%)	1mo	$110,000	$103	82
2903 Valley St	0.34mi	3/1.0	1,073 (+2%)	11mo	$115,500	$108	72
3209 Jeffrey Dr	0.28mi	3/1.0	900 (-14%)	2mo	$73,000	$81	61
3236 Overlook Dr	0.43mi	3/2.0	1,019 (-3%)	18mo	$90,000	$88	56
2421 Latrobe St	0.56mi	3/2.0	1,053 (0%)	18mo	$122,000	$116	54
616 River Ridge Rd	0.25mi	2/1.0 (-1)	897 (-15%)	10mo	$130,000	$145	50
2720 C St	0.53mi	3/1.0	907 (-14%)	3mo	$115,000	$127	50
25 Virginia Dr	0.69mi	4/1.0 (+1)	1,014 (-4%)	9mo	$192,000	$189	49
605 Hays St	0.53mi	2/1.0 (-1)	980 (-7%)	13mo	$122,000	$124	48
303 Kaler St	0.54mi	3/1.5	1,208 (+15%)	1mo	$135,000	$112	47
314 Scene Ridge Rd	0.59mi	4/2.0 (+1)	1,163 (+10%)	10mo	$154,500	$133	38
302 Owens Ave	0.53mi	4/2.0 (+1)	1,209 (+15%)	10mo	$190,000	$157	33

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

Projected returns pro-forma

4.52% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.7%
• Equity multiple: 2.40×
• Total profit: $37,145
• Equity at exit: $51,103

10-year hold

• IRR: 22.5%
• Equity multiple: 4.70×
• Total profit: $98,294
• Equity at exit: $86,016

Cash invested: $26,600 (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 15133

• Home prices YoY: 2.1%
• Active inventory: 39
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,225 high
• Mortgage (P&I): −$498
• Tax from tax record: −$151 /mo · $1,810/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $279

Break-even live

Break-even rent $872

Max offer price $95,000

Occupancy floor 72%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
733 Memory Ln McKeesport, PA	2.0	1.0	850	$1,200	$1.41	24d	1	0.05mi
1805 Gray St McKeesport, PA	3.0	1.0	1136	$1,600	$1.41	2d	1	0.86mi
2918 Walnut St Apt 3 McKeesport, PA	2.0	1.0	800	$850	$1.06	44d	1	1.03mi
311-313 24th St McKeesport, PA	2.0	1.0	950	$900	$0.95	44d	1	1.07mi
306 Laredo St McKeesport, PA	2.0	1.0	928	$995	$1.07	44d	1	1.09mi
3211 Walnut St McKeesport, PA	4.0	1.0	1434	$1,500	$1.05	7d	1	1.10mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	1.32mi
4719 3rd St Unit 2 McKeesport, PA	3.0	1.0	1200	$975	$0.81	44d	1	1.38mi
2408 McCarrell St McKeesport, PA	4.0	1.0	1430	$1,195	$0.84	24d	1	1.43mi
1044 Delaware Ave Glassport, PA	3.0	1.0	1200	$1,350	$1.12	20d	1	1.47mi

Listing history 21 events

1. 2026-06-18
   days on market $95,000 Active 67 DOM
2. 2026-06-17
   days on market $95,000 Active 66 DOM
3. 2026-06-16
   days on market $95,000 Active 65 DOM
4. 2026-06-15
   days on market $95,000 Active 64 DOM
5. 2026-06-13
   days on market $95,000 Active 62 DOM
6. 2026-06-13
   days on market $95,000 Active 61 DOM
7. 2026-06-09
   days on market $95,000 Active 58 DOM
8. 2026-06-08
   days on market $95,000 Active 57 DOM
9. 2026-06-07
   days on market $95,000 Active 56 DOM
10. 2026-06-05
    days on market $95,000 Active 53 DOM
11. 2026-06-03
    days on market $95,000 Active 52 DOM
12. 2026-06-02
    days on market $95,000 Active 51 DOM
13. 2026-06-01
    days on market $95,000 Active 50 DOM
14. 2026-05-31
    days on market $95,000 Active 49 DOM
15. 2026-04-12
    listed $95,000 Active 471-char remark

    Show marketing remark (471 chars)

    Investor opportunity with stable income potential. Solid brick home featuring 3 bedroom and 1 full bath, currently tenant-occupied. Property includes central heat (new furnace 2025) and A/C along with refrigerator, gas range, and washer/dryer, new living room carpet 2025. Well-suited for investors seeking a straightforward, income-producing asset and a strong addition to a rental portfolio. Can be purchased individually or as part of a larger investment portfolio.

16. 2025-08-04
    price $150,000 485-char remark

    Show marketing remark (485 chars)

    Welcome to this three-bedroom brick ranch home that rest on a hill that overlooks part of the town of Liberty Boro. Attached to the side kitchen door is a wrap-around porch deck that allows you to start your sunny day sipping coffee while taking in the sound of nature. The kitchen and diningroom have an open floor affect that gives you plenty of room for gatherings. There is a drive-way for off-street parking which is next to a covered front porch for those unfortunate rainy days.

17. 2025-06-09
    price $160,000 485-char remark

    Show marketing remark (485 chars)

    Welcome to this three-bedroom brick ranch home that rest on a hill that overlooks part of the town of Liberty Boro. Attached to the side kitchen door is a wrap-around porch deck that allows you to start your sunny day sipping coffee while taking in the sound of nature. The kitchen and diningroom have an open floor affect that gives you plenty of room for gatherings. There is a drive-way for off-street parking which is next to a covered front porch for those unfortunate rainy days.

18. 2025-03-27
    listed $169,000 Active 485-char remark

    Show marketing remark (485 chars)

    Welcome to this three-bedroom brick ranch home that rest on a hill that overlooks part of the town of Liberty Boro. Attached to the side kitchen door is a wrap-around porch deck that allows you to start your sunny day sipping coffee while taking in the sound of nature. The kitchen and diningroom have an open floor affect that gives you plenty of room for gatherings. There is a drive-way for off-street parking which is next to a covered front porch for those unfortunate rainy days.

19. 2003-01-16
    soldstatus $31,000
20. 2002-10-09
    soldstatus $31,500
21. 2001-10-19
    listed $42,500

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $1,810 · $151/mo
• Projected year-2 tax: $1,810 · $151/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,700
• − Mortgage interest: −$5,321
• − Property taxes: −$1,810
• − Insurance: −$475
• − Repairs & maintenance: −$1,176
• − Management: −$1,176
• − Depreciation: −$2,764
• Taxable income: $1,978
• Est. tax owed @ 24.0%: −$475
• After-tax cash flow: $2,875/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: South Allegheny SD
• NCES district ID: 4221910
• Math proficiency: 23% ▼ -10.00%
• Reading proficiency: 44% ▼ -13.00%
• Median HH income: $40,891
• Composite: 28.15/100
• National rank: #6815
• State rank: #430 of 539 in PA

Livability — Liberty

• Score: 72/100
• State rank: #659
• US rank: #6444

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Liberty, PA
• County: Allegheny County · 1,022,028 people
• City population: 6,139
• Metro: Pittsburgh, PA
• Population (ZIP): 6,112
• Household income: $65,938
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 94.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 7% Black 4% Hispanic / Latino 3%
• Common ancestry: Romanian 10% Slovene 2% Italian 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Other Indo-European 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.52%
• Current HPI: 214.5922
• Rent YoY: —
• Metro: Pittsburgh, PA
• 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

+123.5% since first listed

7 events — show timeline

• 2026-04-12 Listed $95,000 West Penn MLS
• 2025-08-04 Price Changed $150,000 West Penn MLS
• 2025-06-09 Price Changed $160,000 West Penn MLS
• 2025-03-27 Listed $169,000 West Penn MLS
• 2003-01-16 Sold (MLS) $31,000 West Penn MLS
• 2002-10-09 Sold (Public Records) $31,500 Public Records
• 2001-10-19 Listed $42,500 West Penn MLS

Property tax history

+4.7%/yr

Latest (2026): $1,810 · +6.0% YoY. Source: county tax records.