2549 Lynnwood Dr Unit L23 · Saw Creek, PA 18302

$145,000

4 bd · 2.0 ba · 1,420 sqft · Manufactured · 7 Days on market

Built 1999 Good condition Est $165k · 12% under $60/mo HOA · 2% 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
• ARV discount +12.9/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Condition / age +4.0/5.0
• Schools +3.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 2549 Lynnwood Drive, East Stroudsburg, PA 18302! This beautifully renovated 4-bedroom, 2-bathroom Manufactured Home in Lynnwood Acres offers approximately 1,420 square feet of modern, move-in-ready living space. The spacious open layout features luxury vinyl tile flooring, stylish tile accents, central air, and forced-air heat for year-round comfort. The updated kitchen is the heart of the home, complete with hidden spice racks, ample cabinetry, and generous counter space. Both bathrooms showcase elegant glass vessel sinks and upgraded fixtures, while the oversized primary suite offers two large closets and abundant storage. Situated on a slab foundation for easy access and low m

Key facts

• Renovated
• Glass vessel sinks
• Open layout

Tags

• RENOVATED
• OPEN LAYOUT
• UPDATED KITCHEN
• HIDDEN SPICE RACKS
• GLASS VESSEL SINKS
• OVERSIZED PRIMARY SUITE

Property features AI

Finance

• HOA & community: Homeowners association with annual fee of $715 (about $59.58/month); Association includes water, sewer, and trash; Community recreation facilities

Exterior

• Parking: Carport (1 space); Off-street open parking (6 spaces)
• Utilities: Public water; Public sewer
• Home design: Double wide mobile home; Residential property
• Construction: Glass and batt insulation construction materials; Vinyl skirting
• Exterior features: Asphalt roof; Lot in Lynnwood Acres (residential zoning)

Interior

• Kitchen: Electric range; Refrigerator; Microwave
• Bedrooms: Total rooms: 8
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Stone counters; Open floorplan; Recessed lighting; Storage
• Laundry & utility: Washer; Dryer; Laundry closet

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $145k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $145k).
• Cap rate 15.2% vs local median 4.3% in Saw Creek — 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 59/100 on livability (#1,538 in PA) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, health & safety D, schools F.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 271 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

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $41k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 7 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 $145,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.86% ✓
• Cap rate: 15.16%
• Cash-on-cash: 31.65%
• DSCR: 2.41
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $164,720
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2179 Deer Track Dr	0.11mi	4/2.0	1,632 (+15%)	7mo	$216,000	$132	64
7617 Rocky Rdg	0.46mi	3/2.0 (-1)	1,280 (-10%)	17mo	$137,000	$107	44
7816 Dougherty Dr	0.49mi	3/2.0 (-1)	1,296 (-9%)	20mo	$149,900	$116	41
7584 Rocky Ridge Rd	0.42mi	3/2.0 (-1)	1,215 (-14%)	24mo	$102,000	$84	32

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: 26.6%
• Equity multiple: 2.10×
• Total profit: $44,790
• Equity at exit: $21,620

10-year hold

• IRR: 34.2%
• Equity multiple: 4.13×
• Total profit: $127,147
• Equity at exit: $12,537

Cash invested: $40,600 (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 18302

• Home prices YoY: -20.6%
• Active inventory: 271
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $2,700 medium
• Mortgage (P&I): −$760
• Tax est. 1.5%: −$181 /mo · $2,175/yr
• Insurance: −$60
• HOA: −$60
• Vacancy / Maint / Mgmt: −$567
• Net cashflow: $1,071

Break-even live

Break-even rent $1,344

Max offer price $145,000

Occupancy floor 55%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1273 Chateau Dr East Stroudsburg, PA	3.0	1.0	1073	$2,700	$2.52	43d	1	1.43mi

HOA detail

• Monthly dues: $60 · $720/yr

Listing history 7 events

1. 2026-06-19
   days on market $145,000 Active 7 DOM
2. 2026-06-18
   days on market $145,000 Active 6 DOM
3. 2026-06-17
   days on market $145,000 Active 5 DOM
4. 2026-06-16
   days on market $145,000 Active 4 DOM
5. 2026-06-15
   days on market $145,000 Active 3 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   listed $145,000 Active 1 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 3/10 Moderate 7 d/yr ≥96°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

Taxation est. · year 1

• Rental income: $32,400
• − Mortgage interest: −$8,122
• − Property taxes: −$2,175
• − Insurance: −$725
• − Repairs & maintenance: −$2,592
• − Management: −$2,592
• − HOA: −$720
• − Depreciation: −$4,218
• Taxable income: $11,256
• Est. tax owed @ 24.0%: −$2,701
• After-tax cash flow: $10,150/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 · 12 photos

Good 80/100 Cosmetic rehab

This beautifully renovated 4-bedroom, 2-bathroom Manufactured Home in Lynnwood Acres offers modern, move-in-ready living space with updated kitchen and bathrooms. The home is in good condition with a good condition score of 80.

Value-add opportunities

• Both landscaping — improves curb appeal and enhances the home's aesthetic
• Both painting — refreshes the interior and exterior, making the home more appealing
• Both landscaping — improves curb appeal and enhances the home's aesthetic

Renovation cost estimate screening

Value-add ROI direction

• Both landscaping — improves curb appeal and enhances the home's aesthetic ↑
• Both painting — refreshes the interior and exterior, making the home more appealing ↑
• Both landscaping — improves curb appeal and enhances the home's aesthetic ↑

ⓘ 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: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — Saw Creek

• Score: 59/100
• State rank: #1538
• US rank: #20241

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 17,593

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: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 53% Hispanic / Latino 24% Black 17% Two or more races 12% Asian 2%
• Hispanic origin (detail): Puerto Rican 8% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 13% · Canada, Jamaica
• Languages at home: 79% English-only · Spanish 13% Other Indo-European 2% French/Haitian/Cajun 2%

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: ▼ -41.00%
• Current HPI: 157.9833
• 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

• 2026-06-12 Listed $145,000 PMAR