246 Stryker Ave · Clinton, PA 17752

$80,000

2 bd · 1.0 ba · 1,661 sqft · SingleFamily public records · 67 Days on market

Built 1930 0.28 ac lot $48/sqft · 51% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +6.9/10.0
• Schools +4.3/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. ⚠️ Important Notes: Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss. ;; Endless potential--schedule your showing today.

Key facts

• 0.28 acre lot
• Built 1930
• Listed 66 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $381 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $75k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.0% vs local median 1.8% in Clinton — 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 73/100 on livability (#556 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Montgomery Area SD (town): math 46% / reading 54% proficiency, ranked #180 of 539 in PA (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Montgomery El Sch (math 47% / reading 58%, grade C-, #578 of 1,518 statewide, top 38%, 523 students, 48% FRL); Montgomery Jshs (math 42% / reading 47%, grade F, #196 of 437 statewide, top 47%, 417 students, 53% FRL) — zoned schools average 50% FRL vs 31% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 20 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 73 units permitted in Lycoming County in 2024 (15 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($553 loan paydown + $3k appreciation (3.8% local appreciation)).
• Lycoming County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (3.8% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 67 days — a 6% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 15y ago; this cycle's ask has dropped $30k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price; built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $75,200 (6.0% below list)

Questions for the listing agent

1. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
7. 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.
8. 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: 1.60% ✓
• Cap rate: 12.00%
• Cash-on-cash: 20.40%
• DSCR: 1.91
• GRM: 5.2

CMA / ARV

• ARV (median comp): $162,007
• List price: $80,000
• Delta: -50.62%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
65 E Houston Ave	0.38mi	3/1.5 (+1)	1,632 (-2%)	5mo	$176,000	$108	68
1829 RT 54 Hwy	0.60mi	3/1.5 (+1)	1,665 (+0%)	9mo	$232,000	$139	57
200 Eagle Ln	0.48mi	3/1.5 (+1)	1,500 (-10%)	4mo	$189,900	$127	51
48 Old Rd	0.31mi	3/2.0 (+1)	1,492 (-10%)	13mo	$160,000	$107	48
47 N Main St	0.47mi	3/1.5 (+1)	1,448 (-13%)	4mo	$97,500	$67	47
392 Old Rd	0.58mi	3/1.5 (+1)	1,568 (-6%)	12mo	$285,000	$182	46
1934 Pinchtown Rd	0.38mi	3/3.0 (+1)	1,456 (-12%)	18mo	$131,000	$90	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.83% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.4%
• Equity multiple: 2.67×
• Total profit: $37,515
• Equity at exit: $39,760

10-year hold

• IRR: 28.2%
• Equity multiple: 5.26×
• Total profit: $95,412
• Equity at exit: $64,400

Cash invested: $22,400 (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 17752

• Home prices YoY: 1.6%
• Active inventory: 20
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,276 medium
• Mortgage (P&I): −$420
• Tax from tax record: −$175 /mo · $2,095/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $381

Break-even live

Break-even rent $794

Max offer price $80,000

Occupancy floor 65%

Sensitivity live

Price	-10% $426	-5% $403	+0% $381	+5% $358	+10% $335
Rent	-10% $280	-5% $330	+0% $381	+5% $431	+10% $482
Rate	-1.0pp $421	-0.5pp $401	base $381	+0.5pp $360	+1.0pp $339

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
56 Penn St Unit 58 Montgomery, PA	3.0	1.0	1070	$1,195	$1.12	45d	1	0.36mi
69 Broad St Montgomery, PA	3.0	1.5	1448	$1,665	$1.15	16d	1	0.45mi
25 N Main St Montgomery, PA	2.0	1.0	1200	$865	$0.72	16d	1	0.50mi

Listing history 25 events

1. 2026-06-21
   days on market $80,000 Active 67 DOM
2. 2026-06-21
   days on market $80,000 Active 66 DOM
3. 2026-06-18
   days on market $80,000 Active 64 DOM
4. 2026-06-17
   days on market $80,000 Active 63 DOM
5. 2026-06-16
   days on market $80,000 Active 62 DOM
6. 2026-06-15
   days on market $80,000 Active 61 DOM
7. 2026-06-13
   days on market $80,000 Active 59 DOM
8. 2026-06-12
   days on market $80,000 Active 58 DOM
9. 2026-06-09
   days on market $80,000 Active 55 DOM
10. 2026-06-08
    days on market $80,000 Active 54 DOM
11. 2026-06-08
    days on market $80,000 Active 53 DOM
12. 2026-06-07
    days on market $80,000 Active 52 DOM
13. 2026-06-04
    days on market $80,000 Active 49 DOM
14. 2026-06-02
    days on market $80,000 Active 48 DOM
15. 2026-06-01
    days on market $80,000 Active 47 DOM
16. 2026-05-31
    days on market $80,000 Active 46 DOM
17. 2026-04-30
    price $100,000 704-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

18. 2026-04-30
    price $100,000 628-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

19. 2026-04-22
    price $105,000 704-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

20. 2026-04-22
    price $105,000 628-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

21. 2026-04-13
    listed $110,000 Active 704-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

22. 2026-04-13
    listed $110,000 Active 628-char remark

    Show marketing remark (628 chars)

    Bring your vision and creativity to this 3-bedroom, two-story home full of potential! This property is perfect for investors, flippers, or buyers looking to build equity with a renovation project. Featuring a traditional layout with spacious rooms, this home offers a solid foundation to transform into something truly special. Being sold AS-IS Heat source is currently a wood stove only Likely will require cash or renovation financing Inspections for informational purposes only. Whether you're looking for your next project or a chance to customize a home from the ground up, this is an opportunity you won't want to miss.

23. 2012-07-05
    soldstatus $82,000
24. 2011-11-16
    listed $84,900
25. 1988-04-11
    soldstatus $18,000

ⓘ 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: $2,095 · $175/mo
• Projected year-2 tax: $2,095 · $175/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 8 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,314
• − Mortgage interest: −$4,481
• − Property taxes: −$2,095
• − Insurance: −$400
• − Repairs & maintenance: −$1,225
• − Management: −$1,225
• − Depreciation: −$2,327
• Taxable income: $3,561
• Est. tax owed @ 24.0%: −$855
• After-tax cash flow: $3,715/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: Montgomery Area SD
• NCES district ID: 4215660
• Math proficiency: 46% ▼ -16.00%
• Reading proficiency: 54% ▼ -17.00%
• Median HH income: $49,345
• Composite: 42.69/100
• National rank: #3172
• State rank: #180 of 539 in PA

Livability — Clinton

• Score: 73/100
• State rank: #556
• US rank: #5185

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,867

Population outlook (Lycoming County) Hauer SSP2

• Today (2025): 114,164 people
• By 2030: 112,221 · -1.7%
• By 2040: 107,613 · -5.7%
• By 2050: 102,950 · -9.8%
• By 2075: 92,987 · -18.5%
• By 2100: 80,924 · -29.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Iranian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 1% · Vietnam
• Languages at home: 93% English-only · German/W. Germanic 6% Spanish 1%

Political lean MEDSL · Lycoming

• 2024 margin: Solid R (+41.5) · D 28.8% · R 70.3%
• 2008→2024 swing: -17.3pp toward R · 2008: -24.2pp · 2024: -41.5pp
• All cycles: 2024: R+41.5 2020: R+41.3 2016: R+44.8 2012: R+33.3 2008: R+24.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.83%
• Current HPI: 241.8799
• 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

+455.6% since first listed

9 events — show timeline

• 2026-04-30 Price Changed $100,000 WBVAR
• 2026-04-30 Price Changed $100,000 CSVBR
• 2026-04-22 Price Changed $105,000 WBVAR
• 2026-04-22 Price Changed $105,000 CSVBR
• 2026-04-13 Listed $110,000 CSVBR
• 2026-04-13 Listed $110,000 WBVAR
• 2012-07-05 Sold (MLS) $82,000 CSVBR
• 2011-11-16 Listed $84,900 CSVBR
• 1988-04-11 Sold (Public Records) $18,000 Public Records

Property tax history

+4.1%/yr

Latest (2026): $2,095 · +5.0% YoY. Source: county tax records.