353 Moody Hollow Rd · Otto, PA 16745

$79,000

1 bd · 1.0 ba · 457 sqft · Other · 23 Days on market

Built 1960 Poor condition

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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 +18.5/30.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• 1% rule +5.0/10.0
• Appreciation +5.0/10.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +1.0/5.0

Listing remarks

Camp with 10 acres and timber value. Located at 353 Moody Hollow, Rixford, PA. Secluded location no visible neighbors. Camp will need work has spring water and telephone. Electric is nearby.

Key facts

• Spring water
• Secluded location
• 10 acres

Tags

• 10 ACRES
• TIMBER VALUE
• SECLUDED LOCATION
• SPRING WATER
• ELECTRIC NEARBY

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath other listed at $79k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $76 ($909/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 $79k (0.4% below list).
• Recommended offer: $78k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Otto-Eldred SD (rural): math 44% / reading 53% proficiency, ranked #220 of 539 in PA (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 2 active listings in the ZIP; 29 units permitted in McKean County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($546 loan paydown + $2k appreciation (3.0% local appreciation)).
• McKean County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($78k) is reasonable based on typical stale-listing flexibility.

Recommended offer $77,815 (1.5% below list)

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Built in 1960 — 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. 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: 1.00% ✗
• Cap rate: 7.44%
• Cash-on-cash: 4.11%
• DSCR: 1.18
• GRM: 8.4

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: 11.3%
• Equity multiple: 1.65×
• Total profit: $14,352
• Equity at exit: $35,522

10-year hold

• IRR: 13.5%
• Equity multiple: 3.01×
• Total profit: $44,360
• Equity at exit: $54,743

Cash invested: $22,120 (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 16745

• Active inventory: 2
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $787 medium
• Mortgage (P&I): −$414
• Tax est. 1.5%: −$99 /mo · $1,185/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$165
• Net cashflow: $76

Break-even live

Break-even rent $691

Max offer price $79,000

Occupancy floor 85%

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: $19,750
• Closing costs: $2,370
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-18
   days on market $79,000 Active 23 DOM
2. 2026-06-17
   days on market $79,000 Active 22 DOM
3. 2026-06-16
   days on market $79,000 Active 21 DOM
4. 2026-06-15
   days on market $79,000 Active 20 DOM
5. 2026-06-13
   days on market $79,000 Active 18 DOM
6. 2026-06-12
   days on market $79,000 Active 17 DOM
7. 2026-06-09
   days on market $79,000 Active 14 DOM
8. 2026-06-08
   days on market $79,000 Active 13 DOM
9. 2026-06-08
   days on market $79,000 Active 12 DOM
10. 2026-06-07
    days on market $79,000 Active 11 DOM
11. 2026-06-04
    days on market $79,000 Active 8 DOM
12. 2026-06-02
    days on market $79,000 Active 7 DOM
13. 2026-06-01
    days on market $79,000 Active 6 DOM
14. 2026-05-31
    days on market $79,000 Active 5 DOM
15. 2026-05-26
    listed $79,000 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 1/10 Low 7 d/yr ≥89°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,443
• − Mortgage interest: −$4,425
• − Property taxes: −$1,185
• − Insurance: −$395
• − Repairs & maintenance: −$755
• − Management: −$755
• − Depreciation: −$2,298
• Taxable loss: −$371
• Est. tax savings @ 24.0%: +$89
• After-tax cash flow: $998/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 · 2 photos

Poor 20/100 Extensive rehab

This property requires extensive repairs and maintenance, including a major repair of the roof and exterior siding. Painting the interior walls and exterior siding would significantly increase its value for both resale and rental purposes.

Repairs flagged

• Major roof — Signs of potential leakage and deterioration.
• Major exterior siding — Severe weathering and deterioration.
• Major interior walls and paint — No photos of interior walls or paint are available, but the property is described as needing work and having spring water and telephone. Electric is nearby, but the condition of the electrical system is unknown from the photos.

Value-add opportunities

• Resale repair roof — A repaired roof would significantly improve the home's appearance and reduce the risk of water damage.
• Resale repair exterior siding — A repaired exterior siding would improve the home's curb appeal and reduce the risk of further deterioration.
• Both paint interior walls and exterior siding — Painting the interior walls and exterior siding would improve the home's appearance and increase its value for both resale and rental purposes.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Signs of potential leakage and deterioration.	Major	$15,000–50,000
exterior siding · Severe weathering and deterioration.	Major	$15,000–50,000
interior walls and paint · No photos of interior walls or paint are available, but the property is described as needing work and having spring water and telephone. Electric is nearby, but the condition of the electrical system is unknown from the photos.	Major	$15,000–50,000
Total estimated repair cost · 3 items		$45,000–150,000

Value-add ROI direction

• Resale repair roof — A repaired roof would significantly improve the home's appearance and reduce the risk of water damage. ↑
• Resale repair exterior siding — A repaired exterior siding would improve the home's curb appeal and reduce the risk of further deterioration. ↑
• Both paint interior walls and exterior siding — Painting the interior walls and exterior siding would improve the home's appearance and increase its value for both resale and rental purposes. ↑

ⓘ 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: Otto-Eldred SD
• NCES district ID: 4218240
• Math proficiency: 44% ▼ -1.00%
• Reading proficiency: 53% ▼ -6.00%
• Median HH income: $44,398
• Composite: 40.98/100
• National rank: #3596
• State rank: #220 of 539 in PA

Livability — Otto

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 685

Population outlook (McKean County) Hauer SSP2

• Today (2025): 40,518 people
• By 2030: 39,290 · -3.0%
• By 2040: 36,438 · -10.1%
• By 2050: 33,556 · -17.2%
• By 2075: 27,682 · -31.7%
• By 2100: 21,726 · -46.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (99%)
• Race & ethnicity: White 99%
• Common ancestry: Italian 6% Romanian 4% Iranian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% Tagalog/Filipino 1%

Political lean MEDSL · McKean

• 2024 margin: Solid R (+47.2) · D 26.0% · R 73.2%
• 2008→2024 swing: -29.9pp toward R · 2008: -17.3pp · 2024: -47.2pp
• All cycles: 2024: R+47.2 2020: R+46.2 2016: R+47.2 2012: R+28.2 2008: R+17.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

1 event — show timeline

• 2026-05-26 Listed $79,000 FSBO.com