148 Pointer St · Mundys Corner, PA 15942

$210,000

4 bd · 2.0 ba · 2,080 sqft · SingleFamily · 4 Days on market

Built 1993 1.20 ac lot

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Why this score? — see what drove the D 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).

• Appreciation +10.0/10.0
• Cash flow +7.8/30.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• 1% rule +1.7/10.0

Listing remarks

The well-maintained home offers 4 bedrooms plus a versatile bonus room that could serve as a 5th bedroom, home office, or extra storage space. The inviting family room features a stunning floor-to-ceiling stone fireplace with propane insert, creating the perfect cozy gathering space. Outside, enjoy 1.2 acres of yard space with plenty of room to relax, entertain, or play, along with a 2-car garage for added convenience. (Please NO drive-bys. Showings by appointment only. )

Key facts

• Versatile bonus room
• 1.2 acre lot
• 2 garage spots

Tags

• VERSATILE BONUS ROOM
• 1.2 ACRES OF YARD SPACE

Property features AI

Exterior

• Parking: Detached garage with garage door opener; 2-car garage
• Utilities: Public water
• Home design: Single-family residence; Multi/split levels; Residential property
• Construction: Vinyl siding; Metal roof
• Exterior features: Deck; Cleared lot; Shed(s)

Interior

• Kitchen: Oven; Range; Refrigerator
• Flooring: Laminate; Tile; Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Electric heating; Cooling system
• Interior features: Insulated windows; 2 fireplaces; Basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $-237 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $168k (20.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (33.1% below list).
• Recommended offer: $141k (33.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#787 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Jackson El Sch (math 37% / reading 67%, grade C-, #586 of 1,518 statewide, top 42%, 208 students, 42% FRL); Central Cambria Ms (math 27% / reading 47%, grade F, #298 of 512 statewide, top 60%, 379 students, 39% FRL); Central Cambria Hs (math 67%, 559 students, 26% FRL).
• Market conditions: 10 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 $22k of equity ($1k loan paydown + $21k 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.
• By year 2, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $140,543 (33.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.67% ✗
• Cap rate: 4.94%
• Cash-on-cash: -4.84%
• DSCR: 0.78
• GRM: 12.5

CMA / ARV

• ARV (on-the-fly): $108,160
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
751 Pike Rd	0.23mi	4/1.5	1,913 (-8%)	10mo	$100,000	$52	66

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: 20.8%
• Equity multiple: 2.69×
• Total profit: $99,219
• Equity at exit: $189,185

10-year hold

• IRR: 18.9%
• Equity multiple: 6.17×
• Total profit: $303,981
• Equity at exit: $407,984

Cash invested: $58,800 (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 15942

• Home prices YoY: 7.3%
• Active inventory: 10
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,405 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$159 /mo · $1,905/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $-237

Break-even live

Break-even rent $1,706

Max offer price $168,090

Occupancy floor —

Sensitivity live

Price	-10% $-118	-5% $-178	+0% $-237	+5% $-297	+10% $-356
Rent	-10% $-348	-5% $-293	+0% $-237	+5% $-182	+10% $-126
Rate	-1.0pp $-131	-0.5pp $-184	base $-237	+0.5pp $-292	+1.0pp $-347

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-23
   status Pending
2. 2026-05-18
   listed $210,000 Active

ⓘ 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: $1,905 · $159/mo
• Projected year-2 tax: $2,612 · $218/mo
• Expected delta: +$706/yr (+$59/mo · 37.1%)

ⓘ 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 2/10 Low 7 d/yr ≥91°F today · 17 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: $16,865
• − Mortgage interest: −$11,763
• − Property taxes: −$1,905
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,349
• − Management: −$1,349
• − Depreciation: −$6,109
• Taxable loss: −$6,661
• Est. tax savings @ 24.0%: +$1,599
• After-tax cash flow: $-1,248/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: Central Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Mundys Corner

• Score: 70/100
• State rank: #787
• US rank: #7945

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mundys Corner, PA
• 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

2 events — show timeline

• 2026-05-23 Pending — AHARMLS
• 2026-05-18 Listed $210,000 AHARMLS

Property tax history

+1.2%/yr

Latest (2026): $1,905 · +3.1% YoY. Source: county tax records.