41 Crestline Pl · Youngstown, OH 44512

$99,000

3 bd · 1.0 ba · 1,280 sqft · SingleFamily public records · 20 Days on market

Built 1931 0.26 ac lot Est $150k · 34% under

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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 +26.9/30.0
• ARV discount +15.0/15.0
• DSCR +9.3/10.0
• 1% rule +7.2/10.0
• Schools +5.7/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Updated move in condition; new kitchen w/ ceramic flooring; new windows & doors; new Berber carpet; gas furnace - less than 10 years old; family room/office w/ door to private deck.

Key facts

• Newer roof
• Newer siding
• Newer windows

Tags

• OVERSIZED BACKYARD
• FRUIT TREES
• DETACHED 2-CAR GARAGE
• NEWER ROOF
• NEWER WINDOWS
• NEWER SIDING

Property features AI

Finance

• Financial info: Annual tax amount reported (2025)

Exterior

• Parking: Detached garage; 2 garage spaces
• Utilities: Public water; Public sewer
• Home design: 2-story home; Fixer condition
• Construction: Built (year per public records); Frame construction; Asphalt/fiberglass roof
• Exterior features: Lot about 0.264 acres; Aluminum siding

Interior

• Bedrooms: Total rooms: 10
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: Full basement; One fireplace (living area)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $273 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.6% vs local median 7.0% in Youngstown — 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 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Boardman Local (urban): math 63% / reading 71% proficiency, ranked #189 of 656 in OH (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+6.6%/yr); 136 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 27y 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.

Risks & watch-outs

• Watch-outs: built in 1931 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $97,515 (1.5% below list)

Questions for the listing agent

1. Built in 1931 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.22% ✓
• Cap rate: 9.60%
• Cash-on-cash: 11.81%
• DSCR: 1.53
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $149,760
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7027 Amherst Ave	0.31mi	3/1.0	1,308 (+2%)	1mo	$155,000	$119	81
7355 Westview Dr	0.39mi	3/2.0	1,239 (-3%)	10mo	$180,000	$145	64
7427 Westview	0.46mi	3/1.5	1,216 (-5%)	10mo	$142,000	$117	60
79 Woodview Ave	0.18mi	3/1.0	1,089 (-15%)	8mo	$161,000	$148	60
7387 Oregon Trl	0.60mi	3/1.0	1,200 (-6%)	6mo	$125,000	$104	57
6510 Glendale Ave	0.54mi	3/1.0	1,368 (+7%)	8mo	$135,000	$99	56
7408 Glenwood Ave	0.70mi	3/1.0	1,335 (+4%)	10mo	$140,000	$105	52
107 Oakley Ave	0.51mi	3/1.0	1,122 (-12%)	8mo	$152,500	$136	49
154 Aylesboro Ave	0.55mi	3/1.0	1,444 (+13%)	9mo	$150,000	$104	46
90 Woodrow Ave	0.68mi	3/1.5	1,170 (-9%)	11mo	$109,900	$94	43
6721 Glenwood Ave	0.68mi	2/1.0 (-1)	1,141 (-11%)	8mo	$130,000	$114	38
103 Wildwood Dr	0.70mi	3/1.5	1,451 (+13%)	7mo	$170,000	$117	37

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 · 6.56% rent growth · sell at horizon

5-year hold

• IRR: 5.2%
• Equity multiple: 1.21×
• Total profit: $5,840
• Equity at exit: $14,761

10-year hold

• IRR: 17.7%
• Equity multiple: 2.71×
• Total profit: $47,352
• Equity at exit: $8,560

Cash invested: $27,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 44512

• Home prices YoY: -21.0%
• Rents YoY: 6.6%
• Active inventory: 136
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,210 high
• Mortgage (P&I): −$519
• Tax from tax record: −$123 /mo · $1,473/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $273

Break-even live

Break-even rent $865

Max offer price $99,000

Occupancy floor 72%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7116 Claybourne Ave Youngstown, OH	3.0	1.5	1020	$1,600	$1.57	21d	1	0.24mi
7125 Locust Ave Unit 7125-11 Youngstown, OH	2.0	1.0	880	$950	$1.08	21d	1	0.41mi
86 Ferncliff Ave Youngstown, OH	2.0	1.0	1027	$1,200	$1.17	21d	1	0.42mi
80 Romaine Ave Unit B Youngstown, OH	2.0	1.0	1000	$795	$0.80	13d	1	0.66mi
500 Boardman Canfield Rd Youngstown, OH	1.0–2.0	1.0–1.5	821	$1,005	$1.22	13d	1	0.96mi
7956 Market St Youngstown, OH	2.0	1.0–2.0	1025	$1,080	$1.05	13d	1	1.26mi
413 Mathews Rd Boardman, OH	2.0	1.0	1000	$1,200	$1.20	44d	1	1.26mi
457 Mathews Rd Boardman, OH	3.0	1.0	1200	$1,300	$1.08	44d	1	1.32mi
6300 South Ave Youngstown, OH	1.0–2.0	1.0–2.0	743	$950	$1.28	13d	1	1.45mi

Listing history 16 events

1. 2026-06-19
   days on market $99,000 Active 20 DOM
2. 2026-06-18
   days on market $99,000 Active 19 DOM
3. 2026-06-17
   days on market $99,000 Active 18 DOM
4. 2026-06-16
   days on market $99,000 Active 17 DOM
5. 2026-06-15
   days on market $99,000 Active 16 DOM
6. 2026-06-14
   days on market $99,000 Active 14 DOM
7. 2026-06-13
   days on market $99,000 Active 13 DOM
8. 2026-06-10
   days on market $99,000 Active 11 DOM
9. 2026-06-09
   days on market $99,000 Active 10 DOM
10. 2026-06-08
    days on market $99,000 Active 9 DOM
11. 2026-06-07
    days on market $99,000 Active 8 DOM
12. 2026-06-05
    days on market $99,000 Active 5 DOM
13. 2026-06-02
    days on market $99,000 Active 3 DOM
14. 2026-06-01
    days on market $99,000 Active 2 DOM
15. 2026-05-30
    remarks 699-char remark
16. 2026-05-30
    listed $99,000 Active 1 DOM

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

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $1,473 · $123/mo
• Projected year-2 tax: $1,509 · $126/mo
• Expected delta: +$36/yr (+$3/mo · 2.4%)

ⓘ 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 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,521
• − Mortgage interest: −$5,546
• − Property taxes: −$1,473
• − Insurance: −$495
• − Repairs & maintenance: −$1,162
• − Management: −$1,162
• − Depreciation: −$2,880
• Taxable income: $1,804
• Est. tax owed @ 24.0%: −$433
• After-tax cash flow: $2,841/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: Boardman Local
• NCES district ID: 3904830
• Math proficiency: 63% ▼ -13.00%
• Reading proficiency: 71% ▼ -8.00%
• Median HH income: $47,613
• Composite: 56.62/100
• National rank: #1142
• State rank: #189 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mahoning County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 32,536
• Household income: $63,317
• Rent vs Own: 33.0% rent · 67.0% own
• Severe rent burden: 910.0

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Black 9% Two or more races 6% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 6% Lithuanian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 2% Arabic 2% Other Indo-European 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.75%
• Current HPI: 213.1446
• Rent YoY: ▲ 6.56%
• Metro: Youngstown-Warren-Boardman, OH-PA
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

+106.2% since first listed

9 events — show timeline

• 2026-05-30 Listed $99,000 MLSNOW
• 2004-02-20 Sold (Public Records) $88,000 Public Records
• 2004-02-20 Sold (MLS) $88,000 MLSNOW
• 2004-01-20 Listed $89,900 MLSNOW
• 2001-07-05 Sold (Public Records) $115,000 Public Records
• 2000-01-31 Sold (Public Records) $76,000 Public Records
• 1999-12-16 Listing Removed — MLSNOW
• 1999-09-16 Listed $79,900 MLSNOW
• 1998-05-28 Sold (Public Records) $48,000 Public Records

Property tax history

+2.2%/yr

Latest (2025): $1,473 · -3.4% YoY. Source: county tax records.