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Duplex
B+ Composite 75.39
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
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Livability +3.4/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +2.0/10.0
  • Appreciation +0.0/10.0

$179,900

715 Seybert St · Hazleton, PA 18201
6 bd · 24.0 ba · 1,936 sqft · MultiFamily public records
Built 1927 6,400 sqft lot Est $263k · 32% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks

Duplex 2 bedrooms one bathabove one bedroom one bath. Two cars garage. Very economic gas heat. It could be turn back to a single house.

Key facts

  • 6,400 sq ft lot
  • 2 garage spots
  • Built 1927

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2 × 3-bed/12.0-bath units multifamily listed at $180k.

Deal economics

  • At list price, monthly cash flow is $1k ($13k/yr) — positive. Per door: $556/mo.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $180k).
  • Cap rate 13.7% vs local median 4.5% in Hazleton — 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 67/100 on livability (#930 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools F, amenities F, commute F.
  • Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 118 active listings in the ZIP; 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • Only 0 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

  • Watch-outs: built in 1927 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $179,900

Questions for the listing agent

  1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  3. Built in 1927 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.67%
Cap rate
13.72%
Cash-on-cash
26.51%
DSCR
2.18
GRM
5.0

CMA / ARV

ARV (on-the-fly)
$263,296
Comps found
5
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
421 423 10th St 0.60mi 6/2.0 1,900 (-2%) 0mo $26,000 $14 49
28 30 9th St 0.26mi 6/3.0 1,820 (-6%) 24mo $247,000 $136 38
548 N Church St 0.50mi 7/2.0 (+1) 2,181 (+13%) 9mo $325,000 $149 28
184 186 Wyoming St 0.59mi 5/3.0 (-1) 1,800 (-7%) 16mo $259,000 $144 27
706 708 Vine St 0.47mi 6/3.0 2,107 (+9%) 20mo $215,000 $102 26

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
20.4%
Equity multiple
1.83×
Total profit
$41,788
Equity at exit
$26,824
10-year hold
IRR
28.6%
Equity multiple
3.54×
Total profit
$127,881
Equity at exit
$15,554

Cash invested: $50,372 (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.

ZIP-level market 18201

Home prices YoY
-14.9%
Active inventory
118
Price-to-rent
10.0×

Monthly cashflow live

Estimated rent
$2,998 medium interval (Pro) →
Mortgage (P&I)
$943
Tax from tax record
$237 /mo · $2,845/yr
Insurance
$75
HOA
$0
Vacancy / Maint / Mgmt
$630
Net cashflow
$1,113

Break-even live

Break-even rent $1,589
Max offer price $179,900
Occupancy floor 58%

2-unit breakdown (identical units grouped — click to expand)

UnitsBedsBathsEst. rent
Total (2 units) $2,998

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
$44,975
Closing costs
$5,397
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 6 events

  1. 2023-08-29
    status Pending
  2. 2023-08-09
    historical
  3. 2023-08-03
    soldstatus $179,900
  4. 2023-06-09
    listed $179,900
  5. 2023-06-09
    historical
  6. 2013-10-28
    soldstatus $84,900

ⓘ 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
$2,845 · $237/mo
Projected year-2 tax
$2,845 · $237/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 3/10 Moderate
  • 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$35,976
− Mortgage interest
−$10,077
− Property taxes
−$2,845
− Insurance
−$900
− Repairs & maintenance
−$2,878
− Management
−$2,878
− Depreciation
−$5,233
Taxable income
$11,165
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,680
After-tax cash flow
$10,676/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
Hazleton Area SD
NCES district ID
4211700
Math proficiency
18% ▼ -3.00%
Reading proficiency
30% ▼ -15.00%
Median HH income
$42,247
Composite
20.44/100
National rank
#8582
State rank
#476 of 539 in PA

Livability — Hazleton

Score
67/100
State rank
#930
US rank
#10115

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hazleton, PA
City population
13,755
Population (ZIP)
31,428

Population outlook (Luzerne County) Hauer SSP2

Today (2025)
319,505 people
By 2030
319,943 · +0.1%
By 2040
322,643 · +1.0%
By 2050
330,817 · +3.5%
By 2075
379,145 · +18.7%
By 2100
431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority Hispanic (60%)
Race & ethnicity
Hispanic / Latino 60% White 36% Two or more races 18% Black 2%
Hispanic origin (detail)
Mexican 6% Puerto Rican 6% Dominican 41%
Common ancestry
Romanian 5% Iranian 1% Russian 1%
Foreign-born
36% · Canada, Jamaica
Languages at home
43% English-only · Spanish 54% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Luzerne

2024 margin
R (+19.2) · D 40.0% · R 59.2%
2008→2024 swing
-27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
All cycles
2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -62.00%
Current HPI
354.7443
Rent YoY
Metro
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

+111.9% since first listed
6 events — show timeline
  • 2023-08-29 Pending LCAR
  • 2023-08-09 Delisted LCAR
  • 2023-08-03 Sold (Public Records) $179,900 Public Records
  • 2023-06-09 Delisted LCAR
  • 2023-06-09 Listed $179,900 LCAR
  • 2013-10-28 Sold (Public Records) $84,900 Public Records

Property tax history

+6.9%/yr

Latest (2026): $2,845 · +10.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…