736 Mineral Point Rd · Vinco, PA 15942

$14,000

3 bd · 1.0 ba · 2,610 sqft · SingleFamily · 79 Days on market

Built 1920 8,712 sqft lot $5/sqft · 93% below area ↓ 24% since listing

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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 +15.0/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This spacious home offers incredible potential for the right buyer. Featuring a large footprint, this property is a blank canvas ready for a full renovation. Ideal for a fix-and-flip or long term rental project. Generous room sizes and layout flexibility provides endless possibilities to maximize value. Being sold as-is, bring your vision and turn this property into your next profitable investment.

Key facts

• 8,712 sq ft lot
• Built 1920
• Listed 78 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $14k.

Deal economics

• At list price, monthly cash flow is $929 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $14k).
• Recommended offer: $13k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#1,005 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Conemaugh Valley SD (rural): math 30% / reading 56% proficiency, ranked #313 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 11 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($97 loan paydown + $1k appreciation (10.0% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 79 days — a 6% lower offer ($13k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 4y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $13,160 (6.0% below list)

Questions for the listing agent

1. It's been on market 79 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 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 9.77% ✓
• Cap rate: 90.65%
• Cash-on-cash: 301.26%
• DSCR: 14.40
• GRM: 0.9

CMA / ARV

• ARV (median comp): $208,965
• List price: $14,000
• Delta: -93.30%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 18.05×
• Total profit: $66,821
• Equity at exit: $12,612

10-year hold

• IRR: —
• Equity multiple: 39.36×
• Total profit: $150,378
• Equity at exit: $27,199

Cash invested: $3,920 (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 15942

• Home prices YoY: 7.3%
• Active inventory: 11
• Price-to-rent: 0.9×

Monthly cashflow live

• Estimated rent: $1,368 medium
• Mortgage (P&I): −$73
• Tax est. 1.5%: −$18 /mo · $210/yr
• Insurance: −$6
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $929

Break-even live

Break-even rent $193

Max offer price $14,000

Occupancy floor 27%

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: $3,500
• Closing costs: $420
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-19
   days on market $14,000 Active 79 DOM
2. 2026-06-18
   days on market $14,000 Active 78 DOM
3. 2026-06-17
   days on market $14,000 Active 77 DOM
4. 2026-06-16
   days on market $14,000 Active 76 DOM
5. 2026-06-15
   days on market $14,000 Active 75 DOM
6. 2026-06-14
   days on market $14,000 Active 73 DOM
7. 2026-06-12
   days on market $14,000 Active 72 DOM
8. 2026-06-09
   days on market $14,000 Active 69 DOM
9. 2026-06-08
   days on market $14,000 Active 68 DOM
10. 2026-06-07
    days on market $14,000 Active 67 DOM
11. 2026-06-02
    days on market $14,000 Active 62 DOM
12. 2026-06-01
    days on market $14,000 Active 61 DOM
13. 2026-05-31
    days on market $14,000 Active 60 DOM
14. 2026-05-30
    days on market $14,000 Active 59 DOM
15. 2026-04-01
    listed $14,000 Active 401-char remark

    Show marketing remark (401 chars)

    This spacious home offers incredible potential for the right buyer. Featuring a large footprint, this property is a blank canvas ready for a full renovation. Ideal for a fix-and-flip or long term rental project. Generous room sizes and layout flexibility provides endless possibilities to maximize value. Being sold as-is, bring your vision and turn this property into your next profitable investment.

16. 2023-08-10
    price $10,000
17. 2023-06-17
    status Active
18. 2023-05-23
    status Active
19. 2023-03-24
    status Active
20. 2023-03-02
    price $12,900
21. 2023-02-28
    status Active
22. 2023-01-24
    price $14,900
23. 2022-11-25
    status Active
24. 2022-05-12
    listed $19,900 Active
25. 1978-02-01
    soldstatus $18,400

ⓘ 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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,418
• − Mortgage interest: −$784
• − Property taxes: −$210
• − Insurance: −$736
• − Repairs & maintenance: −$1,313
• − Management: −$1,313
• − Depreciation: −$407
• Taxable income: $11,653
• Est. tax owed @ 24.0%: −$2,797
• After-tax cash flow: $8,346/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: Conemaugh Valley SD
• NCES district ID: 4206430
• Math proficiency: 30% ▼ -18.00%
• Reading proficiency: 56% ▼ -11.00%
• Median HH income: $42,523
• Composite: 36.16/100
• National rank: #4739
• State rank: #313 of 539 in PA

Livability — Vinco

• Score: 67/100
• State rank: #1005
• US rank: #11078

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,134

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Hispanic / Latino 1%
• Common ancestry: Romanian 8% Italian 6% Iranian 4%
• Foreign-born: 0% · South Korea

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.02%
• Current HPI: 161.1142
• 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

-23.9% since first listed

11 events — show timeline

• 2026-04-01 Listed $14,000 AHARMLS
• 2023-08-10 Price Changed $10,000 CSMLS
• 2023-06-17 Relisted — CSMLS
• 2023-05-23 Relisted — CSMLS
• 2023-03-24 Relisted — CSMLS
• 2023-03-02 Price Changed $12,900 CSMLS
• 2023-02-28 Relisted — CSMLS
• 2023-01-24 Price Changed $14,900 CSMLS
• 2022-11-25 Relisted — CSMLS
• 2022-05-12 Listed $19,900 CSMLS
• 1978-02-01 Sold (Public Records) $18,400 Public Records

Property tax history

+1.2%/yr

Latest (2026): $750 · +0.0% YoY. Source: county tax records.