143 Yuma Ln Lot 5404 · Gold Key Lake, PA 18458

$65,000

2 bd · 1.0 ba · 500 sqft · SingleFamily · 13 Days on market

Built 1977 Poor condition 4,792 sqft lot $163/mo HOA · 11% of rent

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +1.0/5.0

Listing remarks

2 Bedroom refurbished trailer on nice level lot in an active recreational park where you can spend 180 days per year enjoying the great outdoors. Enjoy the associations pools, clubhouse, game room, exercise room and the playground for the younger crowd.

Key facts

• Associations pools
• Clubhouse
• Exercise room

Tags

• REFURBISHED TRAILER
• ACTIVE RECREATIONAL PARK
• ASSOCIATIONS POOLS
• CLUBHOUSE
• GAME ROOM
• EXERCISE ROOM

Property features AI

Finance

• Other: Lot is cleared, level, rectangular, interior with front yard; Lot dimensions: 45' x 89' x 52' x 93' (approx. 0.11 acres); Zoned for recreation
• HOA & community: Has homeowners association; Annual association fee of $1,961 (monthly equivalent about $163.42); One-time association fee of $955; Association covers electricity, security, water, trash, sewer; Association amenities: pool, basketball court, shuffleboard, meeting room, playground, parking, game room, fitness center, clubhouse

Exterior

• Parking: Deck; Off-street parking; Driveway
• Security: 24-hour security; Gated community with guard
• Utilities: Private maintained road; Private road frontage
• Home design: Residential property; Vacation RV/Trailer subtype; One level
• Construction: Vinyl siding; Asphalt construction materials; Asphalt/Fiberglass roof; No foundation details listed
• Exterior features: Fire pit; Shed(s) and storage; Association pool

Interior

• Kitchen: Gas Range; Refrigerator
• Flooring: Carpet; Laminate; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Propane heating
• Interior features: Gas Range, Refrigerator, Gas water heater; No basement; 3 total rooms
• Laundry & utility: No laundry facilities on site

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $65k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $526 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Cap rate 16.0% vs local median 5.9% in Gold Key Lake — 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 70/100 on livability (#789 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: schools D, health & safety D, amenities F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 112 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($449 loan paydown + $6k appreciation (10.0% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $65,000

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-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: 2.22% ✓
• Cap rate: 16.00%
• Cash-on-cash: 34.67%
• DSCR: 2.54
• GRM: 3.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 50.9%
• Equity multiple: 4.79×
• Total profit: $69,011
• Equity at exit: $58,557

10-year hold

• IRR: 44.6%
• Equity multiple: 10.73×
• Total profit: $177,134
• Equity at exit: $126,281

Cash invested: $18,200 (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 18458

• Home prices YoY: 13.2%
• Active inventory: 112
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $1,441 medium
• Mortgage (P&I): −$341
• Tax est. 1.5%: −$81 /mo · $975/yr
• Insurance: −$27
• HOA: −$163
• Vacancy / Maint / Mgmt: −$303
• Net cashflow: $526

Break-even live

Break-even rent $775

Max offer price $65,000

Occupancy floor 58%

Sensitivity live

Price	-10% $571	-5% $548	+0% $526	+5% $503	+10% $481
Rent	-10% $412	-5% $469	+0% $526	+5% $583	+10% $640
Rate	-1.0pp $559	-0.5pp $542	base $526	+0.5pp $509	+1.0pp $492

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $163 · $1,956/yr
• Likely covers: pool

Listing history 10 events

1. 2026-06-18
   days on market $65,000 Active 13 DOM
2. 2026-06-17
   days on market $65,000 Active 12 DOM
3. 2026-06-16
   days on market $65,000 Active 11 DOM
4. 2026-06-15
   days on market $65,000 Active 10 DOM
5. 2026-06-13
   days on market $65,000 Active 8 DOM
6. 2026-06-13
   days on market $65,000 Active 7 DOM
7. 2026-06-09
   days on market $65,000 Active 4 DOM
8. 2026-06-08
   days on market $65,000 Active 3 DOM
9. 2026-06-07
   remarks 254-char remark
10. 2026-06-07
    listed $65,000 Active 2 DOM

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

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 ≥91°F today · 14 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,286
• − Mortgage interest: −$3,641
• − Property taxes: −$975
• − Insurance: −$325
• − Repairs & maintenance: −$1,383
• − Management: −$1,383
• − HOA: −$1,956
• − Depreciation: −$1,891
• Taxable income: $5,732
• Est. tax owed @ 24.0%: −$1,376
• After-tax cash flow: $4,934/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 · 13 photos

Poor 20/100 Extensive rehab

This property requires extensive repairs and maintenance, including a new roof, exterior siding repair, and flooring replacement. Improvements would significantly increase its resale and rental value.

Repairs flagged

• Major roof — Significant damage to the roof structure as seen in the aerial view.
• Major exterior siding — Damaged and weathered exterior siding.
• Major flooring — Worn and uneven flooring in the interior.
• Major interior walls/paint — Chipped and peeling paint in several areas.
• Major landscaping — Overgrown and unkempt landscaping.
• Major fencing — In poor condition and appears unstable.
• Major windows — Old windows may need replacement or repair.
• Major HVAC/mechanicals — No visible signs of HVAC or mechanical issues, but the overall condition suggests potential issues based on the roof and exterior condition.

Value-add opportunities

• Both New roof — A new roof would significantly improve the home's appearance and functionality.
• Both Exterior siding repair — Repairing the exterior siding would improve the home's curb appeal and increase its value.
• Both Flooring replacement — Replacing the worn flooring would improve the home's interior condition and increase its value.
• Both Painting — Painting the interior and exterior would improve the home's appearance and increase its value.
• Both Landscaping — Landscaping the property would improve its curb appeal and increase its value.
• Both Fencing repair — Repairing the fencing would improve the property's safety and increase its value.
• Both HVAC/mechanical replacement — Replacing the HVAC and mechanical systems would improve the home's functionality and increase its value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant damage to the roof structure as seen in the aerial view.	Major	$15,000–50,000
exterior siding · Damaged and weathered exterior siding.	Major	$15,000–50,000
flooring · Worn and uneven flooring in the interior.	Major	$15,000–50,000
interior walls/paint · Chipped and peeling paint in several areas.	Major	$15,000–50,000
landscaping · Overgrown and unkempt landscaping.	Major	$15,000–50,000
fencing · In poor condition and appears unstable.	Major	$15,000–50,000
windows · Old windows may need replacement or repair.	Major	$15,000–50,000
HVAC/mechanicals · No visible signs of HVAC or mechanical issues, but the overall condition suggests potential issues based on the roof and exterior condition.	Major	$15,000–50,000
Total estimated repair cost · 8 items		$120,000–400,000

Value-add ROI direction

• Both New roof — A new roof would significantly improve the home's appearance and functionality. ↑
• Both Exterior siding repair — Repairing the exterior siding would improve the home's curb appeal and increase its value. ↑
• Both Flooring replacement — Replacing the worn flooring would improve the home's interior condition and increase its value. ↑
• Both Painting — Painting the interior and exterior would improve the home's appearance and increase its value. ↑
• Both Landscaping — Landscaping the property would improve its curb appeal and increase its value. ↑
• Both Fencing repair — Repairing the fencing would improve the property's safety and increase its value. ↑
• Both HVAC/mechanical replacement — Replacing the HVAC and mechanical systems would improve the home's functionality and increase its value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Gold Key Lake

• Score: 70/100
• State rank: #789
• US rank: #7969

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,576

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 4% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 7% Lithuanian 2% Serbian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · German/W. Germanic 2% Spanish 2% Other Indo-European 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 31.80%
• Current HPI: 272.6294
• 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

1 event — show timeline

• 2026-06-02 Listed $65,000 PWMLS