221 Jamie Ln · Sadsbury, PA 19369

$110,000

3 bd · 2.0 ba · 1,344 sqft · SingleFamily · 12 Days on market

Built 2021 Good condition 4,000 sqft lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Condition / age +4.0/5.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Schools +2.3/10.0

Listing remarks

This beautiful gently used home is only five years old. With three bedrooms and two full baths, it is move in ready for you. Contemporary kitchen is spacious and ideal with an island, dining room and pantry. Matching black appliances include a 22 CU FT side by side refrigerator, dishwasher, and a microwave over the gas range. The primary bath offers a walk-in shower and access from the primary bedroom and utility room. You will love relaxing in your new living room with the ceiling fan, open floor plan and recently installed LVT flooring. In addition to all the greatness this home already offers, it includes a 8′ x 16′ custom built deck with enter/exit from two sides, wash basin

Key facts

• 4,000 sq ft lot
• Built 2021
• Listed 12 days

Property features AI

Finance

• Other: Pets allowed with case-by-case approval, subject to breed, number and size/weight restrictions
• HOA & community: Monthly land lease payment of $575; Land lease years remaining: 0

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Manufactured / modular home; Land lease ownership; Estimated year built
• Construction: Manufactured construction
• Exterior features: Not in a federal flood zone; Above-grade other structures

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: 90% forced air heating; Propane (leased or owned) for heating; Electric hot water; Central air conditioning (electric)
• Interior features: Estimated living area; Two or more access exits

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Coatesville Area SD (suburban): math 18% / reading 31% proficiency, ranked #457 of 539 in PA (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 2 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); 1,513 units permitted in Chester County in 2024 (354 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($761 loan paydown + $3k appreciation (3.0% local appreciation)).
• Chester County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 26% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $110,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 2.13% ✓
• Cap rate: 18.18%
• Cash-on-cash: 42.46%
• DSCR: 2.89
• GRM: 3.9

CMA / ARV

• ARV (on-the-fly): $327,936
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
205 Jamie Ln	0.00mi	2/2.0 (-1)	1,400 (+4%)	8mo	$155,900	$111	81
808 Old Wilmington Rd	0.18mi	3/1.0	1,384 (+3%)	5mo	$320,000	$231	78
50 Meetinghouse Ln	0.31mi	3/2.0	1,476 (+10%)	10mo	$360,000	$244	61
132 N Harner Blvd	0.36mi	2/2.0 (-1)	1,196 (-11%)	7mo	$382,450	$320	54
17 Andrew Dr	0.32mi	4/2.0 (+1)	1,525 (+14%)	15mo	$408,000	$268	45
12 Meetinghouse Ln	0.16mi	2/1.0 (-1)	1,145 (-15%)	24mo	$300,000	$262	39
114 Valley Green Dr	0.67mi	3/1.0	1,460 (+9%)	19mo	$318,000	$218	34
112 Valley Green Dr	0.69mi	3/2.0	1,496 (+11%)	22mo	$325,000	$217	31

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 47.8%
• Equity multiple: 3.68×
• Total profit: $82,691
• Equity at exit: $49,461

10-year hold

• IRR: 47.6%
• Equity multiple: 7.40×
• Total profit: $197,169
• Equity at exit: $76,225

Cash invested: $30,800 (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 19369

• Active inventory: 2
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $2,342 high
• Mortgage (P&I): −$577
• Tax est. 1.5%: −$138 /mo · $1,650/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$492
• Net cashflow: $1,090

Break-even live

Break-even rent $962

Max offer price $110,000

Occupancy floor 48%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 Wildflower Ln Unit 52 Parkesburg, PA	2.0	2.0	1225	$2,045	$1.67	43d	1	0.11mi
202 Fox Trl #105 Parkesburg, PA	3.0	2.5	1528	$2,595	$1.70	1d	1	0.18mi
344 Trego Ave Coatesville, PA	3.0	2.5	1503	$2,500	$1.66	1d	1	0.45mi
392 Trego Ave Coatesville, PA	3.0	2.5	1509	$2,550	$1.69	1d	1	0.50mi
326 Larose Dr Coatesville, PA	3.0	2.5	1660	$2,800	$1.69	14d	1	0.85mi

Listing history 9 events

1. 2026-06-17
   status $110,000 Pending 12 DOM
2. 2026-06-16
   days on market $110,000 Active 12 DOM
3. 2026-06-15
   days on market $110,000 Active 11 DOM
4. 2026-06-13
   days on market $110,000 Active 9 DOM
5. 2026-06-13
   days on market $110,000 Active 8 DOM
6. 2026-06-09
   days on market $110,000 Active 5 DOM
7. 2026-06-08
   days on market $110,000 Active 4 DOM
8. 2026-06-07
   remarks 687-char remark
9. 2026-06-07
   listed $110,000 Active 3 DOM

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 14 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,100
• − Mortgage interest: −$6,162
• − Property taxes: −$1,650
• − Insurance: −$550
• − Repairs & maintenance: −$2,248
• − Management: −$2,248
• − Depreciation: −$3,200
• Taxable income: $12,042
• Est. tax owed @ 24.0%: −$2,890
• After-tax cash flow: $10,186/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 · 12 photos

Good 80/100 Cosmetic rehab

This move-in ready home is in good condition with a modern kitchen and bathrooms. It has a good curb appeal and is ready for a new owner.

Value-add opportunities

• Resale Paint exterior trim — Enhances curb appeal and can add value.
• Rental Clean gutters — Keeps property in good condition and prevents water damage

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior trim — Enhances curb appeal and can add value. ↑
• Rental Clean gutters — Keeps property in good condition and prevents water damage ↑

ⓘ 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: Coatesville Area SD
• NCES district ID: 4206240
• Math proficiency: 18% ▼ -9.00%
• Reading proficiency: 31% ▼ -9.00%
• Median HH income: $66,753
• Composite: 23.19/100
• National rank: #7944
• State rank: #457 of 539 in PA

Livability — Sadsbury

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

Census & demographics

• Census place: Sadsburyville, PA
• Population (ZIP): 186

Population outlook (Chester County) Hauer SSP2

• Today (2025): 546,756 people
• By 2030: 559,441 · +2.3%
• By 2040: 576,377 · +5.4%
• By 2050: 580,602 · +6.2%
• By 2075: 581,575 · +6.4%
• By 2100: 540,922 · -1.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (54%)
• Race & ethnicity: White 54% Black 46%
• Common ancestry: Portuguese 18% Scotch-Irish 11%
• Languages at home: 89% English-only · German/W. Germanic 11%

Political lean MEDSL · Chester

• 2024 margin: D (+14.5) · D 56.7% · R 42.2% · Other 1.0%
• 2008→2024 swing: +5.2pp toward D · 2008: 9.2pp · 2024: 14.5pp
• All cycles: 2024: D+14.5 2020: D+17.0 2016: D+9.2 2012: R+0.4 2008: D+9.2

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

• 2026-06-04 Listed $110,000 BRIGHT MLS