Eldorado 125 · East Carroll, PA 15722

$38,900

3 bd · 1.0 ba · 1,176 sqft · SingleFamily · 6 Days on market

Built 1986

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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 +6.7/10.0
• Schools +3.8/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

New Listing- East Carroll Twp- 3BR, 2 1/2 bath doublewide on over 1/2 acre lot. Oil FA heat. 2 car detached garage.

Key facts

• 2 garage spots
• Built 1986
• Listed 6 days

Property features AI

Finance

• Other: Located in the Cambria subdivision

Exterior

• Parking: Detached garage; 2 covered garage spaces; Off-street parking and driveway; Additional open parking
• Utilities: Electricity connected (100 amp service, circuit breakers); Septic tank
• Home design: Manufactured double-wide home; Single-story (manufactured house); Residential property
• Construction: Vinyl siding; Shingle roof; Built as a manufactured house
• Exterior features: Covered patio/porch; Paved road frontage (150'); Residential zoning

Interior

• Kitchen: Includes appliances (unspecified/other)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (oil); No central cooling
• Interior features: Eat-in kitchen; Insulated windows; No fireplace
• Laundry & utility: Laundry in common area; Crawl space basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $39k.

Deal economics

• At list price, monthly cash flow is $539 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $39k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Cambria Heights SD (rural): math 27% / reading 63% proficiency, ranked #280 of 539 in PA (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Cambria Heights El Sch (math 32% / reading 59%, grade D-, #801 of 1,518 statewide, top 53%, 535 students, 51% FRL); Cambria Heights Ms (math 12% / reading 62%, grade F, #298 of 512 statewide, top 60%, 306 students, 49% FRL); Cambria Heights Shs (math 67% / reading 77%, grade B+, #39 of 437 statewide, top 9%, 437 students, 31% FRL).
• Market conditions: 4 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($269 loan paydown + $1k appreciation (3.4% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.4% appreciation + 3.0% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 19y 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: property tax is 4.1% of price.

Recommended offer $38,900

Questions for the listing agent

1. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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: 2.91% ✓
• Cap rate: 22.91%
• Cash-on-cash: 59.36%
• DSCR: 3.64
• GRM: 2.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

3.41% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 64.7%
• Equity multiple: 4.67×
• Total profit: $39,927
• Equity at exit: $18,400

10-year hold

• IRR: 63.9%
• Equity multiple: 9.55×
• Total profit: $93,103
• Equity at exit: $29,085

Cash invested: $10,892 (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 15722

• Home prices YoY: 3.5%
• Active inventory: 4
• Price-to-rent: 2.9×

Monthly cashflow live

• Estimated rent: $1,131 medium
• Mortgage (P&I): −$204
• Tax from tax record: −$134 /mo · $1,612/yr
• Insurance: −$16
• HOA: −$0
• Vacancy / Maint / Mgmt: −$237
• Net cashflow: $539

Break-even live

Break-even rent $449

Max offer price $38,900

Occupancy floor 47%

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: $9,725
• Closing costs: $1,167
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-18
   days on market $38,900 Active 6 DOM
2. 2026-06-17
   days on market $38,900 Active 5 DOM
3. 2026-06-16
   days on market $38,900 Active 4 DOM
4. 2026-06-16
   remarks 435-char remark
5. 2026-06-15
   days on market $38,900 Active 3 DOM
6. 2026-06-12
   remarks 370-char remark
7. 2026-06-12
   listed $38,900 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 PA · Partial reset (capped growth)

• Current annual tax: $1,612 · $134/mo
• Projected year-2 tax: $1,612 · $134/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 2/10 Low 7 d/yr ≥90°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,570
• − Mortgage interest: −$2,179
• − Property taxes: −$1,612
• − Insurance: −$194
• − Repairs & maintenance: −$1,086
• − Management: −$1,086
• − Depreciation: −$1,132
• Taxable income: $6,281
• Est. tax owed @ 24.0%: −$1,508
• After-tax cash flow: $4,958/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: Cambria Heights SD
• NCES district ID: 4204740
• Math proficiency: 27% ▼ -15.00%
• Reading proficiency: 63% ▼ -11.00%
• Median HH income: $44,855
• Composite: 38.0/100
• National rank: #4291
• State rank: #280 of 539 in PA

Livability — East Carroll

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 2,382

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Hispanic / Latino 2% Two or more races 1%
• Common ancestry: Romanian 13% Iranian 8% Lithuanian 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.41%
• Current HPI: 100.5281
• 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

+94.5% since first listed

9 events — show timeline

• 2026-06-12 Listed $38,900 HCBR
• 2014-10-20 Sold (Public Records) $38,650 Public Records
• 2014-10-20 Sold (MLS) $38,650 AHARMLS
• 2013-08-25 Listed $42,500 AHARMLS
• 2008-12-22 Sold (MLS) $49,000 CSMLS
• 2008-11-24 Sold (Public Records) $49,000 Public Records
• 2008-04-17 Listed $54,900 CSMLS
• 2007-09-27 Listed $79,900 AHARMLS
• 1981-06-01 Sold (Public Records) $20,000 Public Records

Property tax history

+1.4%/yr

Latest (2026): $1,612 · +3.9% YoY. Source: county tax records.