307 Schrader St · Taylor, PA 18517

$150,000

3 bd · 1.0 ba · 1,400 sqft · SingleFamily

Built 1950 6,098 sqft lot Est $241k · 38% 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 +26.4/30.0
• ARV discount +15.0/15.0
• DSCR +9.0/10.0
• 1% rule +7.0/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Taylor Ranch home close to everything. Plaster walls, hardwood floors, basement was finished but needs improvements. Property being sold as is.

Key facts

• 6,098 sq ft lot
• Garage
• Built 1950

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $390 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 74/100 on livability (#503 in PA, #4,605 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities F, commute F.
• Riverside SD (suburban): math 30% / reading 53% proficiency, ranked #340 of 539 in PA (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 24 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 91% of comp listings sitting > 30 days — soft ceiling on asking rent; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 0 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $150,000

Questions for the listing agent

1. Built in 1950 — 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. 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.
4. 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.
5. 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: 1.20% ✓
• Cap rate: 9.41%
• Cash-on-cash: 11.15%
• DSCR: 1.50
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $240,800
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 Sibley Ave	0.18mi	2/1.0 (-1)	1,249 (-11%)	11mo	$215,000	$172	59
133 Corcoran St	0.55mi	4/2.0 (+1)	1,320 (-6%)	2mo	$260,000	$197	54
513 S Washington St	0.36mi	2/1.5 (-1)	1,221 (-13%)	2mo	$189,900	$156	53
811 W Grove St	0.53mi	4/1.0 (+1)	1,474 (+5%)	12mo	$240,900	$163	51
214 Charles St	0.75mi	3/1.0	1,349 (-4%)	10mo	$232,750	$173	51
108 W Taylor St	0.57mi	3/1.0	1,212 (-13%)	2mo	$125,000	$103	49
415 S Washington St	0.47mi	2/1.5 (-1)	1,562 (+12%)	11mo	$285,000	$182	42
153 Second St	0.66mi	3/2.0	1,450 (+4%)	22mo	$290,000	$200	41
511 Grove St	0.53mi	2/2.0 (-1)	1,579 (+13%)	16mo	$230,000	$146	31
108 E Grove St E	0.64mi	2/1.5 (-1)	1,275 (-9%)	22mo	$70,000	$55	30
155 N Third St	0.68mi	3/2.0	1,600 (+14%)	13mo	$335,000	$209	29
801 Union St	0.67mi	4/1.0 (+1)	1,560 (+11%)	21mo	$215,000	$138	27

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.4%
• Equity multiple: 1.01×
• Total profit: $569
• Equity at exit: $22,365

10-year hold

• IRR: 10.0%
• Equity multiple: 1.78×
• Total profit: $32,602
• Equity at exit: $12,969

Cash invested: $42,000 (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 18517

• Home prices YoY: -16.2%
• Active inventory: 24
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,806 high
• Mortgage (P&I): −$787
• Tax est. 1.5%: −$188 /mo · $2,250/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $390

Break-even live

Break-even rent $1,312

Max offer price $150,000

Occupancy floor 73%

Sensitivity live

Price	-10% $494	-5% $442	+0% $390	+5% $338	+10% $286
Rent	-10% $247	-5% $319	+0% $390	+5% $461	+10% $533
Rate	-1.0pp $466	-0.5pp $428	base $390	+0.5pp $351	+1.0pp $312

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
112 E Grove St Taylor, PA	4.0	1.5	1500	$1,700	$1.13	14d	1	0.66mi
304 Vine St Unit 304 Old Forge, PA	2.0	1.0	1000	$1,400	$1.40	44d	1	0.68mi
200 Oak St Unit 2 Old Forge, PA	3.0	1.5	1500	$1,800	$1.20	44d	1	0.80mi
652 Marion Ln Moosic, PA	2.0	2.0	1000	$1,500	$1.50	44d	1	1.04mi
18 William St Taylor, PA	3.0	2.0	1056	$1,400	$1.33	14d	1	1.42mi
432 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
417 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
419 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
420 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
407 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
408 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
414 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
423 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
402 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
415 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
433 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
411 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
412 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
421 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
435 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
427 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
424 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi
426 Circle Dr Taylor, PA	2.0	2.0	1250	$1,900	$1.52	44d	1	1.50mi

Listing history 2 events

1. 2026-05-30
   remarks 143-char remark
2. 2026-05-30
   listed $150,000 Pending

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,672
• − Mortgage interest: −$8,402
• − Property taxes: −$2,250
• − Insurance: −$750
• − Repairs & maintenance: −$1,734
• − Management: −$1,734
• − Depreciation: −$4,364
• Taxable income: $2,439
• Est. tax owed @ 24.0%: −$585
• After-tax cash flow: $4,096/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: Riverside SD
• NCES district ID: 4223250
• Math proficiency: 30% ▼ -7.00%
• Reading proficiency: 53% ▼ -7.00%
• Median HH income: $44,118
• Composite: 35.09/100
• National rank: #5022
• State rank: #340 of 539 in PA

Livability — Taylor

• Score: 74/100
• State rank: #503
• US rank: #4605

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Taylor, PA
• City population: 5,192
• Population (ZIP): 5,192

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 14% Two or more races 8% Black 3% Asian 2%
• Hispanic origin (detail): Puerto Rican 7% Dominican 5%
• Common ancestry: Romanian 20% Subsaharan African 3% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 6% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -36.05%
• Current HPI: 186.5628
• 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

+7.1% since first listed

3 events — show timeline

• 2026-05-29 Price Changed $150,000 GSBR as distributed by MLS GRID
• 2026-05-29 Delisted — GSBR as distributed by MLS GRID
• 2026-05-29 Listed $140,000 GSBR as distributed by MLS GRID

Property tax history

+31.2%/yr

Latest (2026): $35,903 · +1541.7% YoY. Source: county tax records.