130 BALDWIN Ave · Pontiac, MI 48342 1211

$75,000

2 bd · 1.0 ba · 1,015 sqft · SingleFamily public records · 885 Days on market

Built 1910 Fair condition 2,178 sqft lot $74/sqft · 16% below area Est $140k · 46% under

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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
• Appreciation +5.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.7/10.0

Key facts

• 2,178 sq ft lot
• Built 1910
• Listed 884 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $75k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $524 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 14.7% vs local median 7.4% in Pontiac — 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 64/100 on livability (#499 in MI) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D, crime F, amenities F.
• Pontiac City School District (urban): math 8% / reading 17% proficiency, ranked #514 of 540 in MI (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Owen Elementary School (math 12% / reading 17%, grade F, #1,185 of 1,397 statewide, top 86%, 289 students, 85% FRL); Pontiac Middle School (math 8% / reading 23%, grade F, #450 of 493 statewide, top 91%, 729 students, 81% FRL); Pontiac High School (math 12% / reading 27%, grade F, #622 of 713 statewide, top 88%, 935 students, 75% FRL) — zoned schools at 80% FRL track the district average.
• Market conditions: 1 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 76d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,614 units permitted in Oakland County in 2024 (721 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($519 loan paydown + $2k appreciation (3.0% local appreciation)).
• Oakland County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 885 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 6y 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.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 885 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.69% ✓
• Cap rate: 14.68%
• Cash-on-cash: 29.94%
• DSCR: 2.33
• GRM: 4.9

CMA / ARV

• ARV (median comp): $140,142
• List price: $75,000
• Delta: -46.48%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
245 W Howard St	0.17mi	2/1.0	1,030 (+2%)	6mo	$130,000	$126	85
42 Pingree Ave	0.27mi	2/1.0	945 (-7%)	7mo	$61,500	$65	70
474 N Saginaw St	0.26mi	3/1.0 (+1)	933 (-8%)	5mo	$120,000	$129	66
196 Beach St	0.58mi	3/1.0 (+1)	1,000 (-2%)	3mo	$89,900	$90	63
217 Edison St	0.39mi	2/1.0	900 (-11%)	5mo	$97,000	$108	59
14 Hudson Ave	0.38mi	3/1.5 (+1)	950 (-6%)	14mo	$145,000	$153	53
27 Clarence St	0.61mi	3/1.0 (+1)	992 (-2%)	12mo	$57,000	$57	52
148 E Rundell St	0.51mi	3/1.0 (+1)	931 (-8%)	16mo	$125,000	$134	44
119 Wolfe St	0.73mi	2/1.0	1,088 (+7%)	12mo	$170,000	$156	44
84 N Glenwood Ave	0.74mi	3/1.5 (+1)	1,026 (+1%)	18mo	$156,000	$152	42
92 Oakhill St	0.71mi	3/1.0 (+1)	966 (-5%)	16mo	$97,000	$100	40
172 Nelson St	0.69mi	3/1.0 (+1)	1,152 (+14%)	9mo	$180,000	$156	33

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: 35.8%
• Equity multiple: 3.02×
• Total profit: $42,397
• Equity at exit: $33,723

10-year hold

• IRR: 35.9%
• Equity multiple: 5.96×
• Total profit: $104,163
• Equity at exit: $51,972

Cash invested: $21,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 2 active · 11 under contract
• Months of supply: 0.8 mo (133%/mo absorbed)
• Median asking: $111,925 ($109/sqft)
• Median days on market: 125 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +27.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 48342 1211

• Active inventory: 1
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,264 high
• Mortgage (P&I): −$393
• Tax from tax record: −$50 /mo · $599/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $524

Break-even live

Break-even rent $601

Max offer price $75,000

Occupancy floor 54%

Sensitivity live

Price	-10% $566	-5% $545	+0% $524	+5% $503	+10% $481
Rent	-10% $424	-5% $474	+0% $524	+5% $574	+10% $624
Rate	-1.0pp $562	-0.5pp $543	base $524	+0.5pp $505	+1.0pp $485

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: $18,750
• Closing costs: $2,250
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
278 Cesar E Chavez Ave Pontiac, MI	1.0	1.0	750	$950	$1.27	120d	1	0.15mi
111 W Rundell St Pontiac, MI	2.0	1.0	1020	$1,400	$1.37	60d	1	0.31mi
111 W Rundell St Unit 1 Pontiac, MI	2.0	1.0	1020	$1,400	$1.37	63d	1	0.31mi
99 W Rundell St Unit 1 Pontiac, MI	2.0	1.0	1020	$1,400	$1.37	6d	1	0.32mi
97 W Rundell St Unit 1 Pontiac, MI	2.0	1.0	1050	$1,250	$1.19	7d	1	0.32mi
95 Putnam Ave Pontiac, MI	2.0	1.0	871	$1,450	$1.66	0d	1	0.37mi
65 Whitfield St Pontiac, MI	3.0	1.0	924	$1,095	$1.19	24d	1	0.45mi
97 Fairgrove St Apt 2 Pontiac, MI	2.0	1.0	800	$1,100	$1.38	101d	1	0.50mi
190 Augusta Ave Apt 1 Pontiac, MI	2.0	1.0	800	$1,000	$1.25	7d	1	0.51mi
22 Stephens Ct Unit b Pontiac, MI	2.0	1.5	1000	$1,150	$1.15	2d	1	0.57mi
5 Carter St Pontiac, MI	2.0	1.0	1078	$1,255	$1.16	18d	2	0.59mi
20 Frank St Pontiac, MI	1.0	1.0	995	$750	$0.75	89d	1	0.67mi
104 Henderson St Pontiac, MI	3.0	1.0	1100	$1,345	$1.22	75d	1	0.73mi
35 N Saginaw St Pontiac, MI	1.0	1.0	1000	$1,350	$1.35	139d	1	0.78mi
35 N Saginaw St Unit 2 Pontiac, MI	1.0	1.0	1000	$1,350	$1.35	139d	1	0.78mi
17 W Lawrence St Pontiac, MI	1.0	1.0	1000	$1,500	$1.50	75d	1	0.80mi
17 W Lawrence St Unit 2D Pontiac, MI	1.0	1.0	1000	$1,500	$1.50	69d	1	0.80mi
28 N Saginaw St Pontiac, MI	1.0	1.0	625	$1,650	$2.64	40d	6	0.81mi
28 N Saginaw St Pontiac, MI	1.0	1.0	600	$1,500	$2.50	18d	5	0.81mi
44 S Merrimac St Pontiac, MI	3.0	1.0	951	$1,350	$1.42	6d	1	0.81mi
21 N Saginaw St Pontiac, MI	1.0	1.0	1000	$1,500	$1.50	18d	1	0.81mi
96 Oliver St Pontiac, MI	3.0	1.5	1256	$1,395	$1.11	43d	1	0.86mi
264 Nelson St Pontiac, MI	3.0	1.0	1478	$1,590	$1.08	139d	1	0.89mi
158 Mark Ave Unit 158 Pontiac, MI	2.0	1.0	1200	$1,200	$1.00	71d	1	0.89mi
4000 Winston Dr Pontiac, MI	2.0	1.5	952	$1,182	$1.24	95d	1	0.92mi
69 Lincoln St Pontiac, MI	3.0	2.0	1211	$1,795	$1.48	64d	1	0.92mi
634 Lydia Ln Unit 01 Pontiac, MI	2.0	2.0	1346	$1,500	$1.11	46d	1	0.95mi
26 Lincoln St Pontiac, MI	2.0	1.0	750	$795	$1.06	89d	1	0.97mi
18 Lincoln St Unit 26B Lincoln Pontiac, MI	2.0	1.0	750	$795	$1.06	88d	1	0.98mi
23 Henry Clay Ave Unit 1 Pontiac, MI	3.0	1.0	1200	$1,600	$1.33	84d	1	0.98mi
654 Lydia Ln #48 Pontiac, MI	2.0	2.0	1333	$1,700	$1.28	83d	1	0.99mi
38 Spokane Dr Pontiac, MI	2.0	1.0	1000	$1,000	$1.00	139d	1	1.08mi
195 W Kennett Rd Unit 202 Pontiac, MI	2.0	1.0	950	$875	$0.92	139d	1	1.10mi
191 W Kennett Rd Unit 304 Pontiac, MI	2.0	1.0	850	$875	$1.03	139d	1	1.11mi
638 Joslyn Ave Pontiac, MI	3.0	1.5	1071	$1,250	$1.17	24d	1	1.11mi
51 Spokane Dr Apt 2 Pontiac, MI	2.0	1.0	735	$1,195	$1.63	77d	1	1.13mi
51 Spokane Dr Apt 10 Pontiac, MI	2.0	1.0	735	$1,195	$1.63	64d	1	1.13mi
188 Vernon Dr Pontiac, MI	3.0	1.0	1100	$1,500	$1.36	120d	1	1.16mi
57 E Beverly Ave Pontiac, MI	3.0	1.0	1314	$1,350	$1.03	89d	1	1.17mi
223 Tucker St Pontiac, MI	2.0	2.5	1295	$1,700	$1.31	113d	1	1.18mi

Listing history 50 events

1. 2026-09-24
   days on market $75,000 Active 885 DOM
2. 2026-09-23
   days on market $75,000 Active 884 DOM
3. 2026-09-22
   days on market $75,000 Active 883 DOM
4. 2026-09-21
   days on market $75,000 Active 882 DOM
5. 2026-09-20
   days on market $75,000 Active 881 DOM
6. 2026-09-19
   days on market $75,000 Active 880 DOM
7. 2026-09-18
   days on market $75,000 Active 879 DOM
8. 2026-09-17
   days on market $75,000 Active 878 DOM
9. 2026-09-16
   days on market $75,000 Active 877 DOM
10. 2026-09-15
    days on market $75,000 Active 876 DOM
11. 2026-09-14
    days on market $75,000 Active 875 DOM
12. 2026-09-13
    days on market $75,000 Active 874 DOM
13. 2026-09-12
    days on market $75,000 Active 873 DOM
14. 2026-09-11
    days on market $75,000 Active 872 DOM
15. 2026-09-05
    days on market $75,000 Active 866 DOM
16. 2026-09-04
    days on market $75,000 Active 865 DOM
17. 2026-09-03
    days on market $75,000 Active 864 DOM
18. 2026-08-31
    days on market $75,000 Active 861 DOM
19. 2026-08-30
    days on market $75,000 Active 860 DOM
20. 2026-08-29
    days on market $75,000 Active 859 DOM
21. 2026-08-28
    days on market $75,000 Active 858 DOM
22. 2026-08-27
    days on market $75,000 Active 857 DOM
23. 2026-08-26
    days on market $75,000 Active 856 DOM
24. 2026-08-25
    days on market $75,000 Active 855 DOM
25. 2026-08-24
    days on market $75,000 Active 854 DOM
26. 2026-08-23
    days on market $75,000 Active 853 DOM
27. 2026-08-22
    days on market $75,000 Active 852 DOM
28. 2026-08-21
    days on market $75,000 Active 851 DOM
29. 2026-08-20
    days on market $75,000 Active 850 DOM
30. 2026-08-19
    days on market $75,000 Active 849 DOM
31. 2026-08-18
    days on market $75,000 Active 848 DOM
32. 2026-08-17
    days on market $75,000 Active 847 DOM
33. 2026-08-16
    days on market $75,000 Active 846 DOM
34. 2026-08-15
    days on market $75,000 Active 845 DOM
35. 2026-08-14
    days on market $75,000 Active 844 DOM
36. 2026-08-13
    days on market $75,000 Active 843 DOM
37. 2026-08-12
    days on market $75,000 Active 842 DOM
38. 2026-08-11
    days on market $75,000 Active 841 DOM
39. 2026-08-10
    days on market $75,000 Active 840 DOM
40. 2026-08-09
    days on market $75,000 Active 839 DOM
41. 2026-08-08
    days on market $75,000 Active 838 DOM
42. 2026-08-06
    days on market $75,000 Active 836 DOM
43. 2026-08-05
    days on market $75,000 Active 835 DOM
44. 2026-08-04
    days on market $75,000 Active 834 DOM
45. 2026-08-03
    days on market $75,000 Active 833 DOM
46. 2026-07-31
    days on market $75,000 Active 830 DOM
47. 2026-07-30
    days on market $75,000 Active 829 DOM
48. 2026-07-30
    days on market $75,000 Active 828 DOM
49. 2026-07-28
    days on market $75,000 Active 827 DOM
50. 2026-07-26
    days on market $75,000 Active 825 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $599 · $50/mo
• Projected year-2 tax: $877 · $73/mo
• Expected delta: +$278/yr (+$23/mo · 46.4%)

ⓘ 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 ≥96°F today · 15 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: $15,165
• − Mortgage interest: −$4,201
• − Property taxes: −$599
• − Insurance: −$375
• − Repairs & maintenance: −$1,213
• − Management: −$1,213
• − Depreciation: −$2,182
• Taxable income: $5,382
• Est. tax owed @ 24.0%: −$1,292
• After-tax cash flow: $4,996/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.

Condition & rehab AI · 2 photos

Fair 45/100 Moderate rehab Est. rehab $25,375–$45,675 screening

The home requires significant repairs and maintenance, particularly to the roof and exterior siding. Improvements to the roof, exterior, and landscaping would significantly increase its value.

Repairs flagged

• Major roof — The roof appears to be old and possibly leaking, as there are visible signs of wear and discoloration.
• Moderate exterior siding — The siding is in fair condition, with some discoloration and minor damage.
• Minor interior walls/paint — The interior walls and paint appear to be in average condition, with some discoloration.
• Minor landscaping — The landscaping is fair, with some overgrown areas and a lack of curb appeal.
• Minor windows — The windows appear to be in average condition, with some discoloration and minor damage. There are no visible signs of major issues.

Value-add opportunities

• Both repair roof — Repairing the roof would significantly increase the home's value, as it is a major issue that could affect the home's structural integrity and overall appearance. ↑
• Both repair exterior siding — Repairing the exterior siding would improve the home's curb appeal and increase its resale value. ↑
• Both landscape and improve curb appeal — Landscape improvements would enhance the home's curb appeal and increase its resale value. ↑
• Both replace windows — Replacing the windows would improve the home's energy efficiency and increase its resale value. ↑
• Both paint interior walls and exterior — Painting the interior walls and exterior would improve the home's appearance and increase its resale value. ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 16/100

Zoned Schools

Elementary Owen Elementary School F MI #1,185/1,397 Nat'l #36,758/41,679 Middle Pontiac Middle School F MI #450/493 Nat'l #12,557/14,009 High Pontiac High School F MI #622/713 Nat'l #14,491/17,239

Schools (NCES district)

• District: Pontiac City School District
• NCES district ID: 2628740
• Math proficiency: 8% ▼ -5.00%
• Reading proficiency: 17% ▼ -3.00%
• Median HH income: $33,888
• Composite: 10.12/100
• National rank: #9802
• State rank: #514 of 540 in MI

C Composite livability gradescore 64/100

Livability — Pontiac

• Score: 64/100
• State rank: #499
• US rank: #14703

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pontiac, MI

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Population outlook (Oakland County) Hauer SSP2

• Today (2025): 1,335,747 people
• By 2030: 1,375,100 · +2.9%
• By 2040: 1,435,385 · +7.5%
• By 2050: 1,469,250 · +10.0%
• By 2075: 1,531,946 · +14.7%
• By 2100: 1,450,485 · +8.6%

Not yet ingested

• Political lean: —
• Race & ethnicity: —
• Common origin: —
• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

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Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+239.6% since first listed

10 events — show timeline

• 2024-09-10 Sold (Public Records) $180,000 Public Records
• 2024-04-23 Listed $75,000 MiRealSource-MiMLS
• 2024-04-23 Listed $75,000 REALCOMP
• 2024-04-18 Coming Soon $75,000 REALCOMP
• 2024-04-18 Coming Soon $75,000 MiRealSource-MiMLS
• 2020-07-15 Listing Removed — MiRealSource-MiMLS
• 2020-07-15 Listing Removed — REALCOMP
• 2020-01-20 Listed $49,900 MiRealSource-MiMLS
• 2020-01-20 Listed $49,900 REALCOMP
• 2005-04-29 Sold (Public Records) $53,000 Public Records

Property tax history

+0.4%/yr

Latest (2025): $599 · -10.8% YoY. Source: county tax records.