75 Lobin Rd · Earl, PA 17519

$119,500

2 bd · 1.0 ba · 900 sqft · Manufactured public records · 2 Days on market

Built 2022

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Why this score? — see what drove the C 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 +24.9/30.0
• DSCR +8.1/10.0
• ARV discount +7.5/15.0
• 1% rule +5.4/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

PC3742 14X70 MOBILE HM W/ 2-SHEDS(1-10X14 WOOD SHED 1-YR OLD) * MSTR SUITEW/ GARDEN TUB * WALK-IN CLOSET * ALL APPLIANCES STAY * A/C * REDWOOD DECK ENCLOSED W/ SHRUBS

Key facts

• Open floor plan
• Front porch
• Modern finishes

Tags

• OPEN FLOOR PLAN
• RECESSED LIGHTING
• STAINLESS STEEL APPLIANCES
• MODERN FINISHES
• NEW ROOF
• FRONT PORCH

Property features AI

Finance

• Other: Property manager present; Pets allowed with restrictions (size/weight limits, pet addendum/deposit, number limits, breed restrictions)
• HOA & community: Ground rent $561 monthly; rented lot

Exterior

• Parking: Off-street parking
• Utilities: Electric hot water; Private sewer; Community water
• Home design: Manufactured single-wide home; Estimated year built
• Construction: Vinyl siding; Shingle roof; No basement
• Exterior features: Porch(es); Shed; Rented lot (ground rent)

Interior

• Kitchen: Built-in microwave; Dishwasher; Gas range/oven; Refrigerator; Stainless steel appliances
• Bedrooms: Two bedrooms on the main level
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Propane (owned) heating fuel; Window cooling units (electric)
• Interior features: Open floor plan with family room off the kitchen; Combination kitchen/dining area; Recessed lighting; Ceiling fan(s); Tub/shower
• Laundry & utility: Washer and dryer on the main floor

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $120k.

Deal economics

• At list price, monthly cash flow is $258 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Eastern Lancaster County SD (suburban): math 34% / reading 48% proficiency, ranked #321 of 539 in PA (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 1,093 units permitted in Lancaster County in 2024 (201 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $826 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Lancaster County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 24y 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 $14k; list at $120k implies a 724% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 24% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $119,500

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.04% ✓
• Cap rate: 8.89%
• Cash-on-cash: 9.26%
• DSCR: 1.41
• GRM: 8.0

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: -2.4%
• Equity multiple: 0.91×
• Total profit: $-2,964
• Equity at exit: $17,818

10-year hold

• IRR: 7.3%
• Equity multiple: 1.55×
• Total profit: $18,415
• Equity at exit: $10,332

Cash invested: $33,460 (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 17519

• Home prices YoY: -12.1%
• Active inventory: 15
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,242 medium
• Mortgage (P&I): −$627
• Tax from tax record: −$47 /mo · $561/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $258

Break-even live

Break-even rent $915

Max offer price $119,500

Occupancy floor 74%

Sensitivity live

Price	-10% $326	-5% $292	+0% $258	+5% $224	+10% $191
Rent	-10% $160	-5% $209	+0% $258	+5% $307	+10% $356
Rate	-1.0pp $318	-0.5pp $289	base $258	+0.5pp $227	+1.0pp $196

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: $29,875
• Closing costs: $3,585
• Reserves months: —
• Total cash needed: —

Listing history 3 events

1. 2026-06-18
   days on market $119,500 Active 2 DOM
2. 2026-06-16
   remarks 578-char remark
3. 2026-06-16
   listed $119,500 Active 1 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 PA · Partial reset (capped growth)

• Current annual tax: $561 · $47/mo
• Projected year-2 tax: $1,224 · $102/mo
• Expected delta: +$664/yr (+$55/mo · 118.3%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,907
• − Mortgage interest: −$6,694
• − Property taxes: −$561
• − Insurance: −$598
• − Repairs & maintenance: −$1,193
• − Management: −$1,193
• − Depreciation: −$3,476
• Taxable income: $1,194
• Est. tax owed @ 24.0%: −$286
• After-tax cash flow: $2,812/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: Eastern Lancaster County SD
• NCES district ID: 4208820
• Math proficiency: 34% ▼ -12.00%
• Reading proficiency: 48% ▼ -15.00%
• Median HH income: $57,567
• Composite: 36.0/100
• National rank: #4787
• State rank: #321 of 539 in PA

Livability — Earl

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 6,868

Population outlook (Lancaster County) Hauer SSP2

• Today (2025): 561,011 people
• By 2030: 570,969 · +1.8%
• By 2040: 585,929 · +4.4%
• By 2050: 591,056 · +5.4%
• By 2075: 594,747 · +6.0%
• By 2100: 558,850 · -0.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 2% Hispanic / Latino 2%
• Common ancestry: Iranian 3% Portuguese 2% Lithuanian 1%
• Foreign-born: 5%
• Languages at home: 77% English-only · German/W. Germanic 20% French/Haitian/Cajun 1% Spanish 1%

Political lean MEDSL · Lancaster

• 2024 margin: R (+15.9) · D 41.5% · R 57.5%
• 2008→2024 swing: -4.1pp toward R · 2008: -11.8pp · 2024: -15.9pp
• All cycles: 2024: R+15.9 2020: R+15.8 2016: R+19.7 2012: R+19.2 2008: R+11.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -36.32%
• Current HPI: 265.1191
• 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

+702.0% since first listed

4 events — show timeline

• 2026-06-16 Listed $119,500 BRIGHT MLS
• 2003-02-14 Sold (MLS) $14,500 BRIGHT MLS
• 2002-07-29 Listing Removed — BRIGHT MLS
• 2002-07-29 Listed $14,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2026): $561 · +3.7% YoY. Source: county tax records.