75 Calhoun Rd · Lincoln, PA 15037

$99,000

4 bd · 1.0 ba · 2,154 sqft · SingleFamily public records · 33 Days on market

Built 1927 2.56 ac lot $46/sqft · 58% below area

---

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
• Livability +3.4/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Taxes are Estimated/Corporate Owned call for Corporate Addendums/Purchase property AS IS will need proof of funds or prequalification letter

Key facts

• Metal roof
• Newer furnace
• Updated kitchen

Tags

• NEWER FURNACE
• METAL ROOF
• UPDATED KITCHEN
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• HARDWOOD FLOORS

Property features AI

Exterior

• Parking: Attached 2-car garage
• Home design: Two-story home; Resale property
• Construction: Metal roof
• Exterior features: Private lot (approximately 2.56 acres); On-site pool

Interior

• Flooring: Carpet; Hardwood
• Bathrooms: 2 full bathrooms
• Interior features: Carpet and hardwood flooring; Unfinished basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $374 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $96k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#984 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.
• South Allegheny SD (suburban): math 23% / reading 44% proficiency, ranked #430 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 29 active listings in the ZIP; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 19y ago; this cycle's ask has dropped $50k (34%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $30k; list at $99k implies a 236% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.3% of price; built in 1927 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $96,030 (3.0% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1927 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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 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: 1.65% ✓
• Cap rate: 10.82%
• Cash-on-cash: 16.17%
• DSCR: 1.72
• GRM: 5.1

CMA / ARV

• ARV (median comp): $234,190
• List price: $99,000
• Delta: -57.73%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
216 Bellbridge Rd	0.60mi	4/2.0	2,222 (+3%)	9mo	$253,000	$114	56
4694 W Smithfield St	0.66mi	3/3.0 (-1)	2,066 (-4%)	13mo	$104,000	$50	38
5028 W Smithfield St	0.74mi	3/2.0 (-1)	2,015 (-6%)	11mo	$225,000	$112	36

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: 7.3%
• Equity multiple: 1.29×
• Total profit: $7,914
• Equity at exit: $14,761

10-year hold

• IRR: 16.7%
• Equity multiple: 2.38×
• Total profit: $38,204
• Equity at exit: $8,560

Cash invested: $27,720 (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 15037

• Home prices YoY: -11.8%
• Active inventory: 29
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,633 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$356 /mo · $4,276/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $374

Break-even live

Break-even rent $1,160

Max offer price $99,000

Occupancy floor 72%

Sensitivity live

Price	-10% $430	-5% $402	+0% $374	+5% $345	+10% $317
Rent	-10% $244	-5% $309	+0% $374	+5% $438	+10% $503
Rate	-1.0pp $423	-0.5pp $399	base $374	+0.5pp $348	+1.0pp $322

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-09
   days on market $99,000 Active 33 DOM
2. 2026-06-08
   days on market $99,000 Active 32 DOM
3. 2026-06-07
   days on market $99,000 Active 31 DOM
4. 2026-06-05
   days on market $99,000 Active 28 DOM
5. 2026-06-03
   days on market $99,000 Active 27 DOM
6. 2026-06-02
   days on market $99,000 Active 26 DOM
7. 2026-06-01
   days on market $99,000 Active 25 DOM
8. 2026-05-31
   days on market $99,000 Active 24 DOM
9. 2026-05-18
   price $127,000 732-char remark
10. 2026-05-07
    listed $149,000 Active 732-char remark
11. 2007-12-28
    soldstatus $29,500
12. 2007-11-27
    soldstatus $29,500 140-char remark

    Show marketing remark (140 chars)

    Taxes are Estimated/Corporate Owned call for Corporate Addendums/Purchase property AS IS will need proof of funds or prequalification letter

13. 2007-10-10
    listed $32,550 140-char remark

    Show marketing remark (140 chars)

    Taxes are Estimated/Corporate Owned call for Corporate Addendums/Purchase property AS IS will need proof of funds or prequalification letter

14. 2006-11-14
    soldstatus $3,667

ⓘ 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: $4,276 · $356/mo
• Projected year-2 tax: $4,276 · $356/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 1/10 Low
• 🌡 Heat 3/10 Moderate 6 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,599
• − Mortgage interest: −$5,546
• − Property taxes: −$4,276
• − Insurance: −$495
• − Repairs & maintenance: −$1,568
• − Management: −$1,568
• − Depreciation: −$2,880
• Taxable income: $3,266
• Est. tax owed @ 24.0%: −$784
• After-tax cash flow: $3,698/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: South Allegheny SD
• NCES district ID: 4221910
• Math proficiency: 23% ▼ -10.00%
• Reading proficiency: 44% ▼ -13.00%
• Median HH income: $40,891
• Composite: 28.15/100
• National rank: #6815
• State rank: #430 of 539 in PA

Livability — Lincoln

• Score: 67/100
• State rank: #984
• US rank: #10802

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: Lincoln, PA
• Population (ZIP): 10,412

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 4% Asian 2%
• Common ancestry: Romanian 10% Slovak 6% Serbian 1%
• Foreign-born: 2% · Canada, India
• Languages at home: 96% English-only · Other Indo-European 2% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -35.61%
• Current HPI: 266.2418
• 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

+2599.8% since first listed

9 events — show timeline

• 2026-06-11 Delisted — West Penn MLS
• 2026-05-22 Price Changed $99,000 West Penn MLS
• 2026-05-21 Price Changed $112,000 West Penn MLS
• 2026-05-18 Price Changed $127,000 West Penn MLS
• 2026-05-07 Listed $149,000 West Penn MLS
• 2007-12-28 Sold (Public Records) $29,500 Public Records
• 2007-11-27 Sold (MLS) $29,500 West Penn MLS
• 2007-10-10 Listed $32,550 West Penn MLS
• 2006-11-14 Sold (Public Records) $3,667 Public Records

Property tax history

+4.4%/yr

Latest (2026): $4,276 · +5.8% YoY. Source: county tax records.