CashFlowRE
Sign in Sign up
30 Main St
B Composite 71.34
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
  • ARV discount +7.5/15.0
  • Appreciation +5.0/10.0
  • Livability +3.3/5.0
  • Rent growth +2.5/5.0
  • Schools +2.0/10.0
  • Condition / age +1.0/5.0

$95,000

30 Main St · Tresckow, PA 18230
4 bd · 1.0 ba · 1,620 sqft · SingleFamily · 190 Days on market
Built 1900 Poor condition 5,227 sqft lot $59/sqft · 53% below area ↓ 27% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

Key facts

  • Spacious backyard
  • 5,227 sq ft lot
  • Built 1900

Tags

SPACIOUS BACKYARDFIRST FLOOR LAUNDRY ROOM

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 4-bed/1.0-bath single-family listed at $95k. Condition is rated poor.

Deal economics

  • At list price, monthly cash flow is $485 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $95k).
  • Recommended offer: $84k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 66/100 on livability (#1,016 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B; Watch: schools D, amenities F, commute F.
  • Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 1 active listings in the ZIP; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).

Forward outlook

  • In year one you build about $4k of equity ($657 loan paydown + $3k appreciation (3.0% local appreciation)).
  • Carbon County population projected at -18% 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 $27k cash investment doubles in ~3 years — after that, you're playing with house money.
  • By year 10, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 190 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts; this cycle's ask has dropped $35k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $83,600 (12.0% below list)

Questions for the listing agent

  1. It's been on market 190 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 1900 — 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 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?
  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 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
1.52%
Cap rate
12.42%
Cash-on-cash
21.89%
DSCR
1.97
GRM
5.5

CMA / ARV

ARV (median comp)
$202,785
List price
$95,000
Delta
-53.15%
Verdict
UNDERPRICED
Comps
20 within 2.0 mi

Projected returns pro-forma

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

5-year hold
IRR
28.1%
Equity multiple
2.59×
Total profit
$42,375
Equity at exit
$42,716
10-year hold
IRR
28.7%
Equity multiple
5.04×
Total profit
$107,578
Equity at exit
$65,831

Cash invested: $26,600 (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.

ZIP-level market 18230

Active inventory
1
Price-to-rent
5.5×

Monthly cashflow live

Estimated rent
$1,445 medium interval (Pro) →
Mortgage (P&I)
$498
Tax est. 1.5%
$119 /mo · $1,425/yr
Insurance
$40
HOA
$0
Vacancy / Maint / Mgmt
$304
Net cashflow
$485

Break-even live

Break-even rent $831
Max offer price $95,000
Occupancy floor 61%

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
$23,750
Closing costs
$2,850
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 23 events

  1. 2026-06-19
    days on market $95,000 Active 190 DOM
  2. 2026-06-18
    days on market $95,000 Active 189 DOM
  3. 2026-06-17
    days on market $95,000 Active 188 DOM
  4. 2026-06-16
    days on market $95,000 Active 187 DOM
  5. 2026-06-15
    days on market $95,000 Active 186 DOM
  6. 2026-06-14
    days on market $95,000 Active 184 DOM
  7. 2026-06-12
    days on market $95,000 Active 183 DOM
  8. 2026-06-09
    days on market $95,000 Active 180 DOM
  9. 2026-06-08
    days on market $95,000 Active 179 DOM
  10. 2026-06-07
    days on market $95,000 Active 178 DOM
  11. 2026-06-02
    days on market $95,000 Active 173 DOM
  12. 2026-06-01
    days on market $95,000 Active 172 DOM
  13. 2026-05-31
    days on market $95,000 Active 171 DOM
  14. 2026-05-30
    days on market $95,000 Active 170 DOM
  15. 2026-05-18
    status Active 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  16. 2026-05-18
    price $95,000 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  17. 2026-05-15
    historical 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  18. 2026-05-04
    price $105,000 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  19. 2026-04-17
    price $115,000 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  20. 2026-03-23
    status Active 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  21. 2026-03-23
    price $124,900 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  22. 2026-03-10
    historical 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

  23. 2025-11-25
    listed $129,900 Active 337-char remark
    Show marketing remark (337 chars)

    Don't hesitate. .. see the potential come together in this 4-bedroom, 1-bath single family home featuring a spacious backyard. Inside, you'll find a convenient first floor laundry room bathroom, living room, sitting room & kitchen. Great for first-time homebuyers or an investor seeking a great rental. Schedule your showing today!

ⓘ 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 2/10 Low
  • 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 16 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$17,344
− Mortgage interest
−$5,321
− Property taxes
−$1,425
− Insurance
−$475
− Repairs & maintenance
−$1,388
− Management
−$1,388
− Depreciation
−$2,764
Taxable income
$4,584
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,100
After-tax cash flow
$4,723/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 · 6 photos

Poor 20/100 Extensive rehab

This single-family home requires extensive repairs and updates to bring it up to modern standards, significantly increasing its resale and rental value.

Repairs flagged

  • Major exterior siding — Severe weathering and peeling
  • Major roof — Signs of wear and possible leaks
  • Major flooring — Worn-out carpet in living areas
  • Major interior walls — Painted walls with visible wear
  • Major kitchen cabinets — Outdated cabinetry
  • Major bathroom fixtures — Small and outdated bathroom with basic fixtures

Value-add opportunities

  • Both exterior siding and roof replacement — Improves curb appeal and structural integrity
  • Both new flooring — Enhances living space and adds value
  • Both paint interior walls and trim — Fresh paint improves aesthetics and value
  • Both kitchen cabinets and appliances — Modern kitchen boosts resale and rental appeal
  • Both bathroom fixtures and vanity — Updated bathroom enhances functionality and value

Renovation cost estimate screening

Repair itemSeverityEst. cost
exterior siding · Severe weathering and peeling Major $15,000–50,000
roof · Signs of wear and possible leaks Major $15,000–50,000
flooring · Worn-out carpet in living areas Major $15,000–50,000
interior walls · Painted walls with visible wear Major $15,000–50,000
kitchen cabinets · Outdated cabinetry Major $15,000–50,000
bathroom fixtures · Small and outdated bathroom with basic fixtures Major $15,000–50,000
Total estimated repair cost · 6 items $90,000–300,000

Value-add ROI direction

  • Both exterior siding and roof replacement — Improves curb appeal and structural integrity
  • Both new flooring — Enhances living space and adds value
  • Both paint interior walls and trim — Fresh paint improves aesthetics and value
  • Both kitchen cabinets and appliances — Modern kitchen boosts resale and rental appeal
  • Both bathroom fixtures and vanity — Updated bathroom enhances functionality and 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
Hazleton Area SD
NCES district ID
4211700
Math proficiency
18% ▼ -3.00%
Reading proficiency
30% ▼ -15.00%
Median HH income
$42,247
Composite
20.44/100
National rank
#8582
State rank
#476 of 539 in PA

Livability — Tresckow

Score
66/100
State rank
#1016
US rank
#11219

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

City population
783
Population (ZIP)
155

Population outlook (Carbon County) Hauer SSP2

Today (2025)
61,643 people
By 2030
59,840 · -2.9%
By 2040
55,413 · -10.1%
By 2050
50,843 · -17.5%
By 2075
43,326 · -29.7%
By 2100
37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (57%)
Race & ethnicity
White 57% Hispanic / Latino 43%
Hispanic origin (detail)
Dominican 43%
Common ancestry
Romanian 16% Iranian 1%
Foreign-born
1%
Languages at home
56% English-only · Spanish 43% Other Indo-European 1%

Political lean MEDSL · Carbon

2024 margin
Solid R (+34.8) · D 32.2% · R 67.0%
2008→2024 swing
-36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
All cycles
2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

Civics

Market trends

HPI YoY
Current HPI
Rent YoY
Metro
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

-26.9% since first listed
9 events — show timeline
  • 2026-05-18 Relisted LCAR
  • 2026-05-18 Price Changed $95,000 LCAR
  • 2026-05-15 Delisted LCAR
  • 2026-05-04 Price Changed $105,000 LCAR
  • 2026-04-17 Price Changed $115,000 LCAR
  • 2026-03-23 Relisted LCAR
  • 2026-03-23 Price Changed $124,900 LCAR
  • 2026-03-10 Delisted LCAR
  • 2025-11-25 Listed $129,900 LCAR

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…