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D Composite 44.13
Why this score? — see what drove the D 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 +15.0/30.0
  • ARV discount +5.4/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Schools +4.6/10.0
  • Rent growth +4.1/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$33,000

None · Conewago, PA 17022
3 bd · 1.0 ba · 924 sqft · Manufactured public records · 88 Days on market
Built 1983 $36/sqft · 14% below area Est $32k · at est.

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to Oak Knoll Estates in Elizabethtown. This cute mobile home hosts 2 Beds and 1 Bath. It has central air and propane heat. Located in Dauphin County. Great school district. Easy access to 283 and nicely located to downtown E-town, Hershey and Lancaster areas. Lot rent approx. $622/month; includes sewer and water; Trash is paid separately by homeowner. Park management is PMI. Park approval is required. Pets are welcome, but dogs do have restrictions on breed and weight. Don't miss the opporunity for this cute home in a nice park.

Key facts

  • Easy access to 283
  • Pets are welcome
  • Built 1983

Tags

GREAT SCHOOL DISTRICTEASY ACCESS TO 283HERSHEY AND LANCASTER AREASPETS ARE WELCOME

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 3-bed/1.0-bath manufactured listed at $33k.

Deal economics

  • At list price, monthly cash flow is $1k ($13k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $33k).
  • Recommended offer: $31k (6.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • Lower Dauphin SD (suburban): math 45% / reading 59% proficiency, ranked #130 of 539 in PA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
  • Market conditions: Rents rising fast (+6.5%/yr); 202 active listings in the ZIP; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $228 of loan paydown is wiped out by about $990 of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 6.5% rent growth), your $9k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 88 days — a 6% lower offer ($31k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $9k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $31,020 (6.0% below list)

Questions for the listing agent

  1. It's been on market 88 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  5. 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.
  6. 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.
  7. 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
5.00%
Cap rate
46.17%
Cash-on-cash
142.42%
DSCR
7.34
GRM
1.7

CMA / ARV

ARV (median comp)
$31,521
List price
$33,000
Delta
4.69%
Verdict
FAIR
Comps
5 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 6.52% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
8.64×
Total profit
$70,556
Equity at exit
$4,920
10-year hold
IRR
Equity multiple
20.27×
Total profit
$178,099
Equity at exit
$2,853

Cash invested: $9,240 (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 17022

Home prices YoY
-29.0%
Rents YoY
6.5%
Active inventory
202
Price-to-rent
1.7×

Monthly cashflow live

Estimated rent
$1,649 medium interval (Pro) →
Mortgage (P&I)
$173
Tax from tax record
$19 /mo · $230/yr
Insurance
$14
HOA
$0
Vacancy / Maint / Mgmt
$346
Net cashflow
$1,097

Break-even live

Break-even rent $261
Max offer price $33,000
Occupancy floor 28%

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
$8,250
Closing costs
$990
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 29 events

  1. 2026-06-18
    days on market $33,000 Active 88 DOM
  2. 2026-06-17
    days on market $33,000 Active 87 DOM
  3. 2026-06-16
    days on market $33,000 Active 86 DOM
  4. 2026-06-15
    days on market $33,000 Active 85 DOM
  5. 2026-06-14
    days on market $33,000 Active 83 DOM
  6. 2026-06-13
    days on market $33,000 Active 82 DOM
  7. 2026-06-10
    days on market $33,000 Active 80 DOM
  8. 2026-06-09
    pricedays on market $33,000 Active 79 DOM
  9. 2026-06-08
    days on market $35,000 Active 78 DOM
  10. 2026-06-07
    days on market $35,000 Active 77 DOM
  11. 2026-06-05
    days on market $35,000 Active 74 DOM
  12. 2026-06-03
    days on market $35,000 Active 73 DOM
  13. 2026-06-02
    days on market $35,000 Active 72 DOM
  14. 2026-06-01
    days on market $35,000 Active 71 DOM
  15. 2026-05-31
    days on market $35,000 Active 70 DOM
  16. 2026-05-31
    days on market $35,000 Active 69 DOM
  17. 2026-04-24
    price $38,000 542-char remark
    Show marketing remark (542 chars)

    Welcome to Oak Knoll Estates in Elizabethtown. This cute mobile home hosts 2 Beds and 1 Bath. It has central air and propane heat. Located in Dauphin County. Great school district. Easy access to 283 and nicely located to downtown E-town, Hershey and Lancaster areas. Lot rent approx. $622/month; includes sewer and water; Trash is paid separately by homeowner. Park management is PMI. Park approval is required. Pets are welcome, but dogs do have restrictions on breed and weight. Don't miss the opporunity for this cute home in a nice park.

  18. 2026-03-27
    price $40,000 542-char remark
    Show marketing remark (542 chars)

    Welcome to Oak Knoll Estates in Elizabethtown. This cute mobile home hosts 2 Beds and 1 Bath. It has central air and propane heat. Located in Dauphin County. Great school district. Easy access to 283 and nicely located to downtown E-town, Hershey and Lancaster areas. Lot rent approx. $622/month; includes sewer and water; Trash is paid separately by homeowner. Park management is PMI. Park approval is required. Pets are welcome, but dogs do have restrictions on breed and weight. Don't miss the opporunity for this cute home in a nice park.

  19. 2026-03-22
    listed $42,000 Active 542-char remark
    Show marketing remark (542 chars)

    Welcome to Oak Knoll Estates in Elizabethtown. This cute mobile home hosts 2 Beds and 1 Bath. It has central air and propane heat. Located in Dauphin County. Great school district. Easy access to 283 and nicely located to downtown E-town, Hershey and Lancaster areas. Lot rent approx. $622/month; includes sewer and water; Trash is paid separately by homeowner. Park management is PMI. Park approval is required. Pets are welcome, but dogs do have restrictions on breed and weight. Don't miss the opporunity for this cute home in a nice park.

  20. 2025-12-10
    soldstatus $35,000 Closed 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  21. 2025-11-25
    status Pending 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  22. 2025-10-10
    price $35,000 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  23. 2025-10-02
    price $37,595 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  24. 2025-09-30
    price $39,595 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  25. 2025-09-27
    price $43,800 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  26. 2025-09-25
    price $45,800 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  27. 2025-09-22
    price $46,800 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  28. 2025-09-21
    listed $48,959 Active 416-char remark
    Show marketing remark (416 chars)

    Motivated Seller! Good price; cute home! Welcome to Oak Knoll Estates MHP. Park approval required. Please contact Oak Knoll Estates office. Pets are welcome! Please contact park for breed restrictions. This home is 2 Beds and 1 Bath. Is well kept and good condition. Has central air and propane heat. Don't miss this opportunity in a nice location. Good school district. Lot rent approximately $600, includes sewer.

  29. 1992-04-08
    soldstatus $17,500

ⓘ 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
$230 · $19/mo
Projected year-2 tax
$376 · $31/mo
Expected delta
+$146/yr (+$12/mo · 63.2%)

ⓘ 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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,787
− Mortgage interest
−$1,849
− Property taxes
−$230
− Insurance
−$165
− Repairs & maintenance
−$1,583
− Management
−$1,583
− Depreciation
−$960
Taxable income
$13,417
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$3,220
After-tax cash flow
$9,940/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
Lower Dauphin SD
NCES district ID
4214100
Math proficiency
45% ▼ -10.00%
Reading proficiency
59% ▼ -13.00%
Median HH income
$67,760
Composite
46.09/100
National rank
#2513
State rank
#130 of 539 in PA

Livability — Conewago

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

Census & demographics

County
Lancaster County · 390,309 people
Metro
Lancaster, PA
Population (ZIP)
31,908
Household income
$86,767
Rent vs Own
31.8% rent · 68.2% own
Severe rent burden
1404.0

Population outlook (Dauphin County) Hauer SSP2

Today (2025)
281,628 people
By 2030
283,549 · +0.7%
By 2040
285,385 · +1.3%
By 2050
286,188 · +1.6%
By 2075
291,053 · +3.3%
By 2100
282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (89%)
Race & ethnicity
White 89% Hispanic / Latino 6% Two or more races 4% Black 1% Asian 1%
Hispanic origin (detail)
Mexican 1% Puerto Rican 2%
Common ancestry
Romanian 4% Lithuanian 2% Slovak 2%
Foreign-born
3% · Canada
Languages at home
96% English-only · Spanish 2% Other Asian/Pacific 1%

Political lean MEDSL · Dauphin

2024 margin
Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
2008→2024 swing
-3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
All cycles
2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -108.73%
Current HPI
266.3184
Rent YoY
▲ 6.52%
Metro
Lancaster, PA
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

+117.1% since first listed
13 events — show timeline
  • 2026-04-24 Price Changed $38,000 BRIGHT MLS
  • 2026-03-27 Price Changed $40,000 BRIGHT MLS
  • 2026-03-22 Listed $42,000 BRIGHT MLS
  • 2025-12-10 Sold (MLS) $35,000 BRIGHT MLS
  • 2025-11-25 Pending BRIGHT MLS
  • 2025-10-10 Price Changed $35,000 BRIGHT MLS
  • 2025-10-02 Price Changed $37,595 BRIGHT MLS
  • 2025-09-30 Price Changed $39,595 BRIGHT MLS
  • 2025-09-27 Price Changed $43,800 BRIGHT MLS
  • 2025-09-25 Price Changed $45,800 BRIGHT MLS
  • 2025-09-22 Price Changed $46,800 BRIGHT MLS
  • 2025-09-21 Listed $48,959 BRIGHT MLS
  • 1992-04-08 Sold (Public Records) $17,500 Public Records

Property tax history

+1.7%/yr

Latest (2026): $230 · +6.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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