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41 Reeder St
D Composite 41.24
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).

  • Cash flow +10.1/30.0
  • ARV discount +7.5/15.0
  • Appreciation +5.3/10.0
  • Schools +4.0/10.0
  • Livability +3.9/5.0
  • DSCR +2.9/10.0
  • 1% rule +2.7/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$169,800

41 Reeder St · Mount Pocono, PA 18344
1 bd · 1.0 ba · 561 sqft · SingleFamily public records · 28 Days on market
Built 1930 0.25 ac lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

Key facts

  • 0.25 acre lot
  • 4 garage spots
  • Built 1930

Property features AI

Exterior

  • Parking: Attached garage with 4 spaces; Off-street parking and parking pad
  • Security: Smoke detectors
  • Utilities: Public water; Public sewer; Electric service with circuit breakers
  • Home design: Single-story property
  • Construction: Vinyl siding; Asphalt/fiberglass roof
  • Exterior features: Deck; Shed(s); Partially wooded lot; Paved road access

Interior

  • Kitchen: Granite counters; Copper sink; Reclaimed wood bar; Dishwasher; Electric oven and electric range; Microwave
  • Bedrooms: Bedroom on the first level with wood flooring and a ceiling fan
  • Flooring: Hardwood; Tile
  • Bathrooms: One full bathroom on the first level
  • Heating & cooling: Electric heating with baseboard and ductless options; Ductless cooling and ceiling fans
  • Interior features: Kitchen island; Screens on windows; Recessed lighting
  • Laundry & utility: Washer hookup on the main level; Dryer hookup on the main level; 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 1-bed/1.0-bath single-family listed at $170k.

Deal economics

  • At list price, monthly cash flow is $-101 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $152k (10.5% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (23.4% below list).
  • Recommended offer: $130k (23.4% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, commute F.
  • Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 47 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

  • In year one you build about $2k of equity ($1k loan paydown + $1k appreciation (0.6% local appreciation)).
  • Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

  • It's been on market 28 days — a 2% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
  • 4 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.
  • Current owner paid $145k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $130,000 (23.4% 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. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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?
  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
0.77%
Cap rate
5.58%
Cash-on-cash
-2.54%
DSCR
0.89
GRM
10.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

0.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
-2.7%
Equity multiple
0.87×
Total profit
$-6,289
Equity at exit
$54,733
10-year hold
IRR
2.6%
Equity multiple
1.30×
Total profit
$14,429
Equity at exit
$70,296

Cash invested: $47,544 (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 18344

Home prices YoY
0.3%
Active inventory
47
Price-to-rent
10.9×

Monthly cashflow live

Estimated rent
$1,300 medium interval (Pro) →
Mortgage (P&I)
$890
Tax from tax record
$167 /mo · $1,998/yr
Insurance
$71
HOA
$0
Vacancy / Maint / Mgmt
$273
Net cashflow
$-101

Break-even live

Break-even rent $1,428
Max offer price $152,006
Occupancy floor

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
$42,450
Closing costs
$5,094
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.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1429 Pocono Blvd Unit 202 Mt Pocono, PA 1.0 1.0 570 $1,300 $2.28 44d 1 0.34mi

Listing history 23 events

  1. 2026-06-19
    days on market $169,800 Active 28 DOM
  2. 2026-06-18
    days on market $169,800 Active 27 DOM
  3. 2026-06-17
    days on market $169,800 Active 26 DOM
  4. 2026-06-16
    days on market $169,800 Active 25 DOM
  5. 2026-06-15
    days on market $169,800 Active 24 DOM
  6. 2026-06-14
    days on market $169,800 Active 22 DOM
  7. 2026-06-13
    days on market $169,800 Active 21 DOM
  8. 2026-06-10
    days on market $169,800 Active 19 DOM
  9. 2026-06-09
    days on market $169,800 Active 18 DOM
  10. 2026-06-08
    days on market $169,800 Active 17 DOM
  11. 2026-06-07
    days on market $169,800 Active 16 DOM
  12. 2026-06-02
    days on market $169,800 Active 11 DOM
  13. 2026-06-01
    days on market $169,800 Active 10 DOM
  14. 2026-05-31
    days on market $169,800 Active 9 DOM
  15. 2026-05-30
    days on market $169,800 Active 8 DOM
  16. 2026-05-22
    listed $169,800 Active
  17. 2022-11-02
    soldstatus $145,000
  18. 2022-10-31
    soldstatus $145,000 Closed 769-char remark
    Show marketing remark (771 chars)

    That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with a new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

  19. 2022-10-31
    soldstatus $145,000 771-char remark
    Show marketing remark (771 chars)

    That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with a new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

  20. 2022-09-14
    listed $149,900 771-char remark
    Show marketing remark (771 chars)

    That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with a new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

  21. 2022-08-28
    historical
  22. 2022-08-13
    listed $149,900 769-char remark
    Show marketing remark (769 chars)

    That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

  23. 2022-08-13
    listed $149,900
    Show marketing remark (769 chars)

    That mountain getaway you've been searching for? It's here! Located centrally in the Pocono Mountains, this 1 bedroom, 1 bathroom home has been recently renovated and outfitted with all the cabin vibes. It offers hardwood flooring, and rustic slate floors, to go with modern finishes. There's a mini-split system for heating and AC, along with lots of deck space wrapping around the front and two-tiered decking in the rear of the home. The roof is also just a few years old! The crawl space has recently been upgraded with new vapor barrier, dehumidifier, sump pump, and new hot water heater. This property also has public water and sewer. Sorry, no short-term renting. This could be just the spot to obtain peace of mind. Make your appointment today before it's gone!

ⓘ 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
$1,998 · $167/mo
Projected year-2 tax
$2,341 · $195/mo
Expected delta
+$342/yr (+$29/mo · 17.1%)

ⓘ 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 5/10 Major
  • 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 8% 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

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$15,600
− Mortgage interest
−$9,511
− Property taxes
−$1,998
− Insurance
−$849
− Repairs & maintenance
−$1,248
− Management
−$1,248
− Depreciation
−$4,940
Taxable loss
−$4,194
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,007
After-tax cash flow
$-202/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
Pocono Mountain SD
NCES district ID
4219500
Math proficiency
37% ▼ -5.00%
Reading proficiency
55% ▲ 1.00%
Median HH income
$55,317
Composite
39.91/100
National rank
#3856
State rank
#245 of 539 in PA

Livability — Mount Pocono

Score
77/100
State rank
#362
US rank
#3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Mount Pocono, PA
Population (ZIP)
3,472

Population outlook (Monroe County) Hauer SSP2

Today (2025)
164,099 people
By 2030
161,412 · -1.6%
By 2040
154,616 · -5.8%
By 2050
146,710 · -10.6%
By 2075
140,830 · -14.2%
By 2100
138,472 · -15.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.70)
Race & ethnicity
White 47% Hispanic / Latino 22% Black 15% Asian 9% Two or more races 8%
Hispanic origin (detail)
Puerto Rican 7% Dominican 1%
Common ancestry
Romanian 3% Italian 2% Hispanic 1%
Foreign-born
17% · Canada
Languages at home
67% English-only · Spanish 19% Other Indo-European 7% Tagalog/Filipino 3%

Political lean MEDSL · Monroe

2024 margin
Toss-up / Even · D 49.1% · R 49.9%
2008→2024 swing
-17.1pp toward R · 2008: 16.3pp · 2024: -0.8pp
All cycles
2024: R+0.8 2020: D+6.4 2016: D+0.3 2012: D+14.0 2008: D+16.3

Not yet ingested

Civics

Market trends

HPI YoY
▲ 0.63%
Current HPI
179.2541
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

+13.3% since first listed
8 events — show timeline
  • 2026-05-22 Listed $169,800 GLVRMLS
  • 2022-11-02 Sold (Public Records) $145,000 Public Records
  • 2022-10-31 Sold (MLS) $145,000 GLVRMLS
  • 2022-10-31 Sold (MLS) $145,000 PMAR
  • 2022-09-14 Listed $149,900 GLVRMLS
  • 2022-08-28 Listing Removed GLVRMLS
  • 2022-08-13 Listed $149,900 GLVRMLS
  • 2022-08-13 Listed $149,900 PMAR

Property tax history

+4.7%/yr

Latest (2026): $1,998 · +2.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…