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237 White St
B- Composite 68.73
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
  • DSCR +10.0/10.0
  • 1% rule +9.0/10.0
  • ARV discount +7.5/15.0
  • Livability +3.7/5.0
  • Schools +3.5/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$129,000

237 White St · Weissport, PA 18235
5 bd · 2.0 ba · 1,279 sqft · Manufactured · 30 Days on market
Built 1980 5,600 sqft lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Discover a unique opportunity in Weissport Borough with this distinctive property, perfectly blending versatile living spaces. This mobile home, securely set on a permanent foundation, offers an exceptional layout ideal for various lifestyles. The front portion of the residence features a comfortable three-bedroom, one-bathroom configuration, complete with a well-appointed kitchen and a living area, providing a perfect primary dwelling. Beyond the main living quarters, an additional separate section of the home presents an exciting prospect. This independent space includes two more bedrooms, a full bathroom, a convenient kitchenette, and its own living area. With a separate entrance, this versatile addition is perfectly suited for extended family living or as an income-generating rental opportunity, offering privacy and independence. The property also benefits from a one-car garage, thoughtfully situated at the rear, providing secure parking and additional storage. This home delivers a compelling combination of functionality and potential in a desirable location, catering to diverse needs and preferences.

Key facts

  • Separate section
  • Separate entrance
  • Permanent foundation

Tags

PERMANENT FOUNDATIONWELL APPOINTED KITCHENSEPARATE SECTIONINDEPENDENT SPACECONVENIENT KITCHENETTESEPARATE ENTRANCE

Property features AI

Exterior

  • Parking: Detached garage (1 car)
  • Utilities: Public water; Public sewer
  • Home design: Single-story home; R2 zoning
  • Construction: Built: Unknown; Asphalt and fiberglass roof
  • Exterior features: Vinyl siding

Interior

  • Kitchen: Electric oven
  • Bedrooms: Total of 9 rooms (includes bedrooms and living spaces)
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Electric baseboard heating
  • Interior features: Eat-in kitchen; Crawl space basement
  • Laundry & utility: Electric water heater

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 5-bed/2.0-bath manufactured listed at $129k.

Deal economics

  • At list price, monthly cash flow is $162 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $129k).
  • Recommended offer: $127k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 74/100 on livability (#531 in PA, #4,922 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: schools F, commute F, employment F.
  • Lehighton Area SD (suburban): math 32% / reading 50% proficiency, ranked #336 of 539 in PA (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 139 active listings in the ZIP; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $892 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

  • It's been on market 30 days — a 2% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $40k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: flood insurance adds $427/mo.
  • Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $127,065 (1.5% below list)

Questions for the listing agent

  1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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.
  5. 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.
  6. 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
1.40%
Cap rate
11.77%
Cash-on-cash
19.57%
DSCR
1.87
GRM
6.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
-7.7%
Equity multiple
0.71×
Total profit
$-10,304
Equity at exit
$19,234
10-year hold
IRR
2.1%
Equity multiple
1.15×
Total profit
$5,385
Equity at exit
$11,154

Cash invested: $36,120 (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 18235

Home prices YoY
-27.1%
Active inventory
139
Price-to-rent
6.0×

Monthly cashflow live

Estimated rent
$1,805 medium interval (Pro) →
Mortgage (P&I)
$676
Tax from tax record
$107 /mo · $1,278/yr
Insurance
$54
Flood insurance flood zone
−$427 /mo · $5,118/yr
HOA
$0
Vacancy / Maint / Mgmt
$379
Net cashflow
$162

Break-even live

Break-even rent $1,599
Max offer price $129,000
Occupancy floor 86%

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
$32,250
Closing costs
$3,870
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 16 events

  1. 2026-06-18
    days on market $129,000 Active 30 DOM
  2. 2026-06-17
    days on market $129,000 Active 29 DOM
  3. 2026-06-16
    days on market $129,000 Active 28 DOM
  4. 2026-06-15
    days on market $129,000 Active 27 DOM
  5. 2026-06-14
    days on market $129,000 Active 25 DOM
  6. 2026-06-10
    days on market $129,000 Active 22 DOM
  7. 2026-06-09
    days on market $129,000 Active 21 DOM
  8. 2026-06-08
    days on market $129,000 Active 20 DOM
  9. 2026-06-07
    days on market $129,000 Active 19 DOM
  10. 2026-06-03
    days on market $129,000 Active 15 DOM
  11. 2026-06-02
    days on market $129,000 Active 14 DOM
  12. 2026-06-01
    days on market $129,000 Active 13 DOM
  13. 2026-05-31
    days on market $129,000 Active 12 DOM
  14. 2026-05-31
    days on market $129,000 Active 11 DOM
  15. 2026-05-19
    listed $169,000 Active 1122-char remark
    Show marketing remark (1122 chars)

    Discover a unique opportunity in Weissport Borough with this distinctive property, perfectly blending versatile living spaces. This mobile home, securely set on a permanent foundation, offers an exceptional layout ideal for various lifestyles. The front portion of the residence features a comfortable three-bedroom, one-bathroom configuration, complete with a well-appointed kitchen and a living area, providing a perfect primary dwelling. Beyond the main living quarters, an additional separate section of the home presents an exciting prospect. This independent space includes two more bedrooms, a full bathroom, a convenient kitchenette, and its own living area. With a separate entrance, this versatile addition is perfectly suited for extended family living or as an income-generating rental opportunity, offering privacy and independence. The property also benefits from a one-car garage, thoughtfully situated at the rear, providing secure parking and additional storage. This home delivers a compelling combination of functionality and potential in a desirable location, catering to diverse needs and preferences.

  16. 2026-05-19
    listed $169,000 Active
    Show marketing remark (1122 chars)

    Discover a unique opportunity in Weissport Borough with this distinctive property, perfectly blending versatile living spaces. This mobile home, securely set on a permanent foundation, offers an exceptional layout ideal for various lifestyles. The front portion of the residence features a comfortable three-bedroom, one-bathroom configuration, complete with a well-appointed kitchen and a living area, providing a perfect primary dwelling. Beyond the main living quarters, an additional separate section of the home presents an exciting prospect. This independent space includes two more bedrooms, a full bathroom, a convenient kitchenette, and its own living area. With a separate entrance, this versatile addition is perfectly suited for extended family living or as an income-generating rental opportunity, offering privacy and independence. The property also benefits from a one-car garage, thoughtfully situated at the rear, providing secure parking and additional storage. This home delivers a compelling combination of functionality and potential in a desirable location, catering to diverse needs and preferences.

ⓘ 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
$1,278 · $107/mo
Projected year-2 tax
$1,658 · $138/mo
Expected delta
+$380/yr (+$32/mo · 29.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 10% 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
$21,656
− Mortgage interest
−$7,226
− Property taxes
−$1,278
− Insurance
−$5,764
− Repairs & maintenance
−$1,732
− Management
−$1,732
− Depreciation
−$3,753
Taxable income
$171
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$41
After-tax cash flow
$1,908/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
Lehighton Area SD
NCES district ID
4213500
Math proficiency
32% ▼ -7.00%
Reading proficiency
50% ▼ -11.00%
Median HH income
$51,115
Composite
35.36/100
National rank
#4958
State rank
#336 of 539 in PA

Livability — Weissport

Score
74/100
State rank
#531
US rank
#4922

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Weissport, PA
Population (ZIP)
19,121

Population outlook (Carbon County) Hauer SSP2

Today (2025)
61,643 people
By 2030
59,840 · -2.9%
By 2040
55,413 · -10.1%
By 2050
50,843 · -17.5%
By 2075
43,326 · -29.7%
By 2100
37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (94%)
Race & ethnicity
White 94% Two or more races 4% Hispanic / Latino 3%
Common ancestry
Romanian 6% Polish 5% Iranian 3%
Foreign-born
2% · Canada, China
Languages at home
96% English-only · Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Carbon

2024 margin
Solid R (+34.8) · D 32.2% · R 67.0%
2008→2024 swing
-36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
All cycles
2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

Civics

Market trends

HPI YoY
▼ -69.77%
Current HPI
187.4645
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

+0.0% since first listed
2 events — show timeline
  • 2026-05-19 Listed $169,000 GLVRMLS
  • 2026-05-19 Listed $169,000 PMAR

Property tax history

+1.7%/yr

Latest (2026): $1,278 · +0.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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