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19 Clinton Ave 14-Plex
C+ Composite 61.0
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 +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Livability +3.7/5.0
  • Rent growth +3.3/5.0
  • Condition / age +2.5/5.0
  • Schools +1.5/10.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$1,300,000

19 Clinton Ave · Brockton, MA 02301
10 bd · 84.0 ba · 5,376 sqft · MultiFamily public records · 10 Days on market
Built 1899 4,674 sqft lot Est $1048k · 24% over

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Multi-family units

County records classify this as Multi-Family (5+ Unit). Listing-text estimate: 14 units. confirmed

5+ unit building — per-unit beds/baths from public records are typically unavailable; the breakdown below (if shown) is an estimate from the listing text.

Listing remarks MLS

Great investment opportunity for this 14 unit building, made up of 10 single rooms and 4 apartments. A solid "cash cow" income generating property. Newer oil boiler (2016) & rubber roof. Fantastic Brockton center location, directly across from Plymouth Probate & Family court. Close proximity to restaurants, public transportation and local amenities. Property sold individually or as a portfolio package with 109 Green St. MLS# and 113 Green St. MLS # . Portfolio package is being offered for sale at a discounted rate. Additional portfolio financials available upon request. Ask agent for more details.

Key facts

  • 4,674 sq ft lot
  • 4 parking spots
  • Built 1899

Property features AI

Finance

  • HOA & community: Not a senior community

Exterior

  • Parking: Open parking with 4 spaces
  • Utilities: Public water; Public sewer
  • Home design: 5+ family rooming house; 4 total stories; Occupies multiple units/levels
  • Construction: Stone foundation; Building area approximately 5,376 (total); Year built from public records
  • Exterior features: Paved driveway; Lot approximately 0.11 acres

Interior

  • Bedrooms: Multiple units with single-level layouts (some units on 1 to 3 floors)
  • Bathrooms: Six full bathrooms
  • Interior features: Total of 18 rooms; Four stories

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 14 × 16-bed/6.0-bath units multifamily listed at $1.30M.

Deal economics

  • At list price, monthly cash flow is $24k ($288k/yr) — positive. Per door: $2k/mo.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($41k rent vs $1.30M).
  • Cap rate 28.4% vs local median 4.1% in Brockton — 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 74/100 on livability (#90 in MA, #4,625 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: schools D, crime F, amenities F.
  • Brockton (suburban): math 12% / reading 22% proficiency, ranked #298 of 302 in MA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising (+3.0%/yr); 71 active listings in the ZIP; 1,255 units permitted in Plymouth County in 2024 (411 in 5+ unit buildings).
  • At $40,775/mo this rent would consume 659% of the median local household income ($74k/yr) (locally 2970% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $9k of loan paydown is wiped out by about $39k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $364k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
  • 3 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.
  • Current owner paid $700k; list at $1.30M implies a 86% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1899 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major wind risk, 68% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $1,300,000

Questions for the listing agent

  1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  3. Built in 1899 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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?
  7. 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.
  8. 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.
  9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
3.14%
Cap rate
28.42%
Cash-on-cash
79.03%
DSCR
4.52
GRM
2.7

CMA / ARV

ARV (on-the-fly)
$1,048,320
Comps found
5
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
203 W Elm St 0.28mi 11/4.0 (+1) 5,072 (-6%) 4mo $985,000 $194 54
226 W Elm 0.33mi 10/4.5 4,869 (-9%) 4mo $950,000 $195 46
24 Wall St 0.30mi 9/4.0 (-1) 4,734 (-12%) 10mo $950,000 $201 38
285 W Elm St 0.48mi 10/7.0 4,839 (-10%) 16mo $1,050,000 $217 28
26 Allen St 0.27mi 10/8.0 4,685 (-13%) 24mo $830,000 $177 26

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 · 3.04% rent growth · sell at horizon

5-year hold
IRR
79.2%
Equity multiple
4.62×
Total profit
$1,318,001
Equity at exit
$193,834
10-year hold
IRR
82.7%
Equity multiple
9.57×
Total profit
$3,121,148
Equity at exit
$112,400

Cash invested: $364,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
20 Strongly Tenant-Friendly
State Massachusetts
20 Strongly Tenant-Friendly · D+15
County
— inherits STATE
City
— inherits STATE
Cambridge / Boston historically rent-controlled (preempted 1994 but consideration ongoing); strong tenant protections; court backlogs.

ZIP-level market 02301

Rents YoY
3.0%
Active inventory
71
Price-to-rent
37.2×

Monthly cashflow live

Estimated rent
$40,775 medium interval (Pro) →
Mortgage (P&I)
$6,817
Tax from tax record
$880 /mo · $10,562/yr
Insurance
$542
HOA
$0
Vacancy / Maint / Mgmt
$8,563
Net cashflow
$23,973

Break-even live

Break-even rent $10,429
Max offer price $1,300,000
Occupancy floor 36%

14-unit breakdown (identical units grouped — click to expand)

UnitsBedsBathsEst. rent
Total (14 units) $40,775

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
$325,000
Closing costs
$39,000
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.

Listing history 7 events

  1. 2026-06-18
    days on market $1,300,000 Active 10 DOM
  2. 2026-06-17
    days on market $1,300,000 Active 9 DOM
  3. 2026-06-16
    days on market $1,300,000 Active 8 DOM
  4. 2026-06-15
    days on market $1,300,000 Active 7 DOM
  5. 2026-06-13
    statusdays on market $1,300,000 Active 5 DOM
  6. 2026-06-09
    remarks 647-char remark
  7. 2026-06-09
    listed $1,300,000 New 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 MA · Partial reset (capped growth)

Current annual tax
$10,562 · $880/mo
Projected year-2 tax
$13,276 · $1,106/mo
Expected delta
+$2,714/yr (+$226/mo · 25.7%)

ⓘ 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 ≥98°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 68% 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

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$489,300
− Mortgage interest
−$72,820
− Property taxes
−$10,562
− Insurance
−$6,500
− Repairs & maintenance
−$39,144
− Management
−$39,144
− Depreciation
−$37,818
Taxable income
$283,312
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$67,995
After-tax cash flow
$219,682/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
Brockton
NCES district ID
2503090
Math proficiency
12% ▼ -11.00%
Reading proficiency
22% ▼ -6.00%
Median HH income
$49,822
Composite
15.37/100
National rank
#9323
State rank
#298 of 302 in MA

Livability — Brockton

Score
74/100
State rank
#90
US rank
#4625

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Brockton, MA
County
Plymouth County · 358,589 people
City population
105,386
Metro
Boston-Cambridge-Newton, MA-NH
Population (ZIP)
68,969
Household income
$74,214
Rent vs Own
49.8% rent · 50.2% own
Severe rent burden
2970.0

Population outlook (Plymouth County) Hauer SSP2

Today (2025)
533,105 people
By 2030
541,862 · +1.6%
By 2040
549,791 · +3.1%
By 2050
542,476 · +1.8%
By 2075
518,429 · -2.8%
By 2100
448,179 · -15.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.78)
Race & ethnicity
Black 39% White 24% Two or more races 20% Hispanic / Latino 13% Asian 2%
Hispanic origin (detail)
Puerto Rican 5% Dominican 2%
Common ancestry
Hispanic 13% Russian 2% Lithuanian 2%
Foreign-born
34% · Canada, China, Vietnam
Languages at home
51% English-only · French/Haitian/Cajun 24% Other Indo-European 11% Spanish 11%

Political lean MEDSL · Plymouth

2024 margin
Lean D (+8.8) · D 53.6% · R 44.7% · Other 1.7%
2008→2024 swing
+1.3pp toward D · 2008: 7.6pp · 2024: 8.8pp
All cycles
2024: D+8.8 2020: D+17.4 2016: D+7.2 2012: D+3.8 2008: D+7.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -403.95%
Current HPI
450.9985
Rent YoY
▲ 3.04%
Metro
Boston-Cambridge-Newton, MA-NH
State GDP YoY
▲ 2.28%
F500 in state
38

Industry mix (Fortune 500 HQ in MA)

Industry F500 HQs Revenue

Price history

+79.3% since first listed
6 events — show timeline
  • 2026-06-08 Listed $1,300,000 MLS PIN
  • 2020-10-30 Sold (MLS) $700,000 MLS PIN
  • 2020-08-28 Pending MLS PIN
  • 2020-08-17 Relisted MLS PIN
  • 2020-08-13 Contingent MLS PIN
  • 2020-07-13 Listed $725,000 MLS PIN

Property tax history

+3.3%/yr

Latest (2025): $10,562 · +0.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…