652 Ohio Ave · McDonald, OH 44437

$89,900

3 bd · 1.0 ba · 924 sqft · SingleFamily public records · 2 Days on market

Built 1950 6,534 sqft lot Est $128k · 30% 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 +29.7/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.2/10.0
• Schools +5.3/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Village Living with tons of Potential! Discover the convenience of life in the village with this 3-bedroom ranch. Perfectly situated on a low-maintenance corner lot, this home offers the ease of single-story living. While the interior is ready for your creative repairs and updates, the exterior features durable vinyl siding and a massive 2-car garage—a rare find for a village property! Perfect for those looking to build equity in a charming, established community.

Key facts

• Durable vinyl siding
• Single-story living
• Massive 2-car garage

Tags

• CORNER LOT
• SINGLE-STORY LIVING
• DURABLE VINYL SIDING
• MASSIVE 2-CAR GARAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $329 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).

Location & tenants

• Location reads 72/100 on livability (#376 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
• Mcdonald Local (suburban): math 57% / reading 67% proficiency, ranked #259 of 656 in OH (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Roosevelt Elementary School (math 58% / reading 65%, grade B, #646 of 1,584 statewide, top 41%, 396 students, 42% FRL); Mcdonald High School (math 57% / reading 67%, grade B-, #202 of 781 statewide, top 29%, 349 students, 64% FRL) — zoned schools average 53% FRL vs 27% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 23 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $36k; list at $90k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $89,900

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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.32% ✓
• Cap rate: 10.68%
• Cash-on-cash: 15.66%
• DSCR: 1.70
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $128,436
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
652 Ohio Ave	0.00mi	3/1.0	924 (0%)	0mo	$87,250	$94	100
648 Indiana Ave	0.06mi	3/1.0	864 (-6%)	14mo	$120,000	$139	74
350 Grant St	0.37mi	2/1.0 (-1)	943 (+2%)	7mo	$134,000	$142	68
3117 Youngstown Ave	0.47mi	2/1.0 (-1)	900 (-3%)	8mo	$130,000	$144	62
719 Ohio Ave	0.06mi	3/1.0	1,044 (+13%)	17mo	$174,000	$167	62
1015 Annabelle St	0.48mi	3/1.5	960 (+4%)	12mo	$170,000	$177	59
1144 Logan Ave	0.67mi	3/1.0	996 (+8%)	6mo	$150,000	$151	51
300 Hayes Ave	0.48mi	2/1.0 (-1)	864 (-6%)	15mo	$95,000	$110	50
426 Garfield	0.37mi	2/1.0 (-1)	822 (-11%)	12mo	$85,000	$103	49
310 Hayes	0.46mi	2/1.0 (-1)	832 (-10%)	16mo	$91,600	$110	44
312 Hayes	0.46mi	2/1.0 (-1)	1,001 (+8%)	20mo	$95,500	$95	43

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: 6.5%
• Equity multiple: 1.25×
• Total profit: $6,365
• Equity at exit: $13,404

10-year hold

• IRR: 15.9%
• Equity multiple: 2.29×
• Total profit: $32,522
• Equity at exit: $7,773

Cash invested: $25,172 (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 44437

• Home prices YoY: -7.8%
• Active inventory: 23
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,185 medium
• Mortgage (P&I): −$471
• Tax from tax record: −$98 /mo · $1,181/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$249
• Net cashflow: $329

Break-even live

Break-even rent $769

Max offer price $89,900

Occupancy floor 67%

Sensitivity live

Price	-10% $379	-5% $354	+0% $329	+5% $303	+10% $278
Rent	-10% $235	-5% $282	+0% $329	+5% $375	+10% $422
Rate	-1.0pp $374	-0.5pp $351	base $329	+0.5pp $305	+1.0pp $282

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
701 Summit Ave Niles, OH	2.0	1.0–2.0	963	$1,220	$1.27	15d	1	1.31mi
311 S Market St Girard, OH	2.0	1.0	672	$1,075	$1.60	45d	1	1.33mi
135 E Broadway Ave Girard, OH	2.0	1.0	1120	$995	$0.89	15d	1	1.37mi
848 Lawrence Ave Girard, OH	3.0	1.0	950	$1,400	$1.47	15d	1	1.41mi

Listing history 4 events

1. 2026-04-18
   status Pending
2. 2026-04-15
   listed $89,900 Active
3. 1992-05-28
   soldstatus $36,000
4. 1988-01-12
   soldstatus $24,500

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

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $1,181 · $98/mo
• Projected year-2 tax: $1,292 · $108/mo
• Expected delta: +$111/yr (+$9/mo · 9.4%)

ⓘ 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 ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,215
• − Mortgage interest: −$5,036
• − Property taxes: −$1,181
• − Insurance: −$450
• − Repairs & maintenance: −$1,137
• − Management: −$1,137
• − Depreciation: −$2,615
• Taxable income: $2,659
• Est. tax owed @ 24.0%: −$638
• After-tax cash flow: $3,304/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: Mcdonald Local
• NCES district ID: 3905022
• Math proficiency: 57% ▼ -20.00%
• Reading proficiency: 67% ▼ -11.00%
• Median HH income: $49,637
• Composite: 52.66/100
• National rank: #1554
• State rank: #259 of 656 in OH

Livability — McDonald

• Score: 72/100
• State rank: #376
• US rank: #6131

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McDonald, OH
• County: Trumbull · 193,293 people
• City population: 3,900
• Metro: Youngstown-Warren, OH
• Population (ZIP): 3,900
• Household income: $72,545
• Rent vs Own: 17.1% rent · 82.9% own

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Romanian 7% Scotch-Irish 2% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 96% English-only · Other Indo-European 3% Spanish 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.52%
• Current HPI: 241.8126
• Rent YoY: —
• Metro: —
• 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

+266.9% since first listed

4 events — show timeline

• 2026-04-18 Pending — MLSNOW
• 2026-04-15 Listed $89,900 MLSNOW
• 1992-05-28 Sold (Public Records) $36,000 Public Records
• 1988-01-12 Sold (Public Records) $24,500 Public Records

Property tax history

+3.2%/yr

Latest (2025): $1,181 · +0.5% YoY. Source: county tax records.