1010 Bert Cir · Penn, PA 15675

$69,999

2 bd · 2.0 ba · 910 sqft · SingleFamily · 70 Days on market

Built 2026 Excellent condition 910 sqft lot $77/sqft · 19% below area Est $87k · 19% under

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Why this score? — see what drove the A 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +6.0/10.0
• Condition / age +5.0/5.0
• Appreciation +4.7/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0

Listing remarks MLS

More space. More comfort. This brand-new 910 square foot, 2-bedroom, 2-bath home offers the room you need without the price tag you'd expect. Perfect for couples, empty nesters, or anyone ready to start owning. The Laurel delivers a smart, efficient single-level layout with two full bathrooms and bedrooms designed for real life. The open kitchen flows naturally into the dining and living areas, creating a connected, comfortable space that feels far larger than the square footage suggests. The layout includes a pantry, optional washer/dryer hookups, and a dedicated living room that brings the whole home together. ✔ 2 Bedrooms | 2 Full Bathrooms ✔ Open-concept kitchen, dining & living area ✔ Pantry storage included ✔ Optional washer/dryer hookups ✔ Private lots with optional garages ✔ Low-maintenance living - ideal for first-time buyers & downsizers ✔ New construction | Penn Estates

Key facts

• Pantry storage
• Open-concept kitchen
• New construction

Tags

• OPEN-CONCEPT KITCHEN
• PANTRY STORAGE
• OPTIONAL WASHER DRYER HOOKUPS
• PRIVATE LOTS
• LOW-MAINTENANCE LIVING
• NEW CONSTRUCTION

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $70k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $364 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $66k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 56/100 on livability (#1,637 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D+, schools F, amenities F.
• Penn-Trafford SD (suburban): math 60% / reading 78% proficiency, ranked #27 of 539 in PA (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 14% free/reduced lunch — higher-income household profile.
• Market conditions: 12 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $82 of equity ($484 loan paydown + $-402 appreciation (-0.6% local appreciation)).
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.6% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($66k) is reasonable based on typical stale-listing flexibility.

Recommended offer $65,799 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.53% ✓
• Cap rate: 12.53%
• Cash-on-cash: 22.27%
• DSCR: 1.99
• GRM: 5.4

CMA / ARV

• ARV (median comp): $86,664
• List price: $69,999
• Delta: -19.23%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
113 S 13th St	0.73mi	2/1.0	900 (-1%)	7mo	$85,000	$94	55
113 1/2 13th St	0.73mi	2/1.0	870 (-4%)	1mo	$66,800	$77	54

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

Projected returns pro-forma

-0.57% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.0%
• Equity multiple: 1.98×
• Total profit: $19,267
• Equity at exit: $18,341

10-year hold

• IRR: 25.9%
• Equity multiple: 3.74×
• Total profit: $53,801
• Equity at exit: $20,519

Cash invested: $19,600 (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 15675

• Home prices YoY: -0.2%
• Active inventory: 12
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,073 medium
• Mortgage (P&I): −$367
• Tax est. 1.5%: −$87 /mo · $1,050/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$225
• Net cashflow: $364

Break-even live

Break-even rent $612

Max offer price $69,999

Occupancy floor 61%

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
211 S 7th St Unit A Jeannette, PA	3.0	1.0	900	$1,450	$1.61	1d	1	1.11mi
501 Baughman Ave Unit 1 Jeannette, PA	1.0	1.0	680	$725	$1.07	1d	1	1.37mi
36 Gaskill Ave Unit 2 Jeannette, PA	3.0	1.0	1100	$950	$0.86	1d	1	1.44mi
508 Lowry Ave Jeannette, PA	2.0	1.0	1000	$950	$0.95	43d	1	1.49mi

Listing history 15 events

1. 2026-06-18
   days on market $69,999 Active 70 DOM
2. 2026-06-17
   days on market $69,999 Active 69 DOM
3. 2026-06-16
   days on market $69,999 Active 68 DOM
4. 2026-06-15
   days on market $69,999 Active 67 DOM
5. 2026-06-13
   days on market $69,999 Active 65 DOM
6. 2026-06-09
   days on market $69,999 Active 61 DOM
7. 2026-06-08
   days on market $69,999 Active 60 DOM
8. 2026-06-07
   days on market $69,999 Active 59 DOM
9. 2026-06-05
   days on market $69,999 Active 56 DOM
10. 2026-06-03
    days on market $69,999 Active 55 DOM
11. 2026-06-02
    days on market $69,999 Active 54 DOM
12. 2026-06-01
    days on market $69,999 Active 53 DOM
13. 2026-05-31
    days on market $69,999 Active 52 DOM
14. 2026-05-01
    price $69,999 905-char remark

    Show marketing remark (905 chars)

    More space. More comfort. This brand-new 910 square foot, 2-bedroom, 2-bath home offers the room you need without the price tag you'd expect. Perfect for couples, empty nesters, or anyone ready to start owning. The Laurel delivers a smart, efficient single-level layout with two full bathrooms and bedrooms designed for real life. The open kitchen flows naturally into the dining and living areas, creating a connected, comfortable space that feels far larger than the square footage suggests. The layout includes a pantry, optional washer/dryer hookups, and a dedicated living room that brings the whole home together. ✔ 2 Bedrooms | 2 Full Bathrooms ✔ Open-concept kitchen, dining & living area ✔ Pantry storage included ✔ Optional washer/dryer hookups ✔ Private lots with optional garages ✔ Low-maintenance living - ideal for first-time buyers & downsizers ✔ New construction | Penn Estates

15. 2026-04-09
    listed $59,999 Active 905-char remark

    Show marketing remark (905 chars)

    More space. More comfort. This brand-new 910 square foot, 2-bedroom, 2-bath home offers the room you need without the price tag you'd expect. Perfect for couples, empty nesters, or anyone ready to start owning. The Laurel delivers a smart, efficient single-level layout with two full bathrooms and bedrooms designed for real life. The open kitchen flows naturally into the dining and living areas, creating a connected, comfortable space that feels far larger than the square footage suggests. The layout includes a pantry, optional washer/dryer hookups, and a dedicated living room that brings the whole home together. ✔ 2 Bedrooms | 2 Full Bathrooms ✔ Open-concept kitchen, dining & living area ✔ Pantry storage included ✔ Optional washer/dryer hookups ✔ Private lots with optional garages ✔ Low-maintenance living - ideal for first-time buyers & downsizers ✔ New construction | Penn Estates

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,873
• − Mortgage interest: −$3,921
• − Property taxes: −$1,050
• − Insurance: −$350
• − Repairs & maintenance: −$1,030
• − Management: −$1,030
• − Depreciation: −$2,036
• Taxable income: $3,456
• Est. tax owed @ 24.0%: −$829
• After-tax cash flow: $3,535/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.

Condition & rehab AI · 1 photo

Excellent 100/100 None rehab

This brand-new single-family home is move-in ready with excellent condition and a smart, efficient layout. It offers a great value for its size and features, making it an attractive option for couples, empty nesters, or anyone looking to start owning.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhances curb appeal and adds value.
• Both New flooring in high-traffic areas — Improves aesthetics and reduces maintenance costs.
• Both New kitchen appliances — Modernizes the kitchen and adds value for potential buyers/renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value. ↑
• Both New flooring in high-traffic areas — Improves aesthetics and reduces maintenance costs. ↑
• Both New kitchen appliances — Modernizes the kitchen and adds value for potential buyers/renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Penn-Trafford SD
• NCES district ID: 4218660
• Math proficiency: 60% ▼ -13.00%
• Reading proficiency: 78% ▼ -7.00%
• Median HH income: $68,988
• Composite: 60.28/100
• National rank: #855
• State rank: #27 of 539 in PA

Livability — Penn

• Score: 56/100
• State rank: #1637
• US rank: #22584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,259

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Black 1%
• Common ancestry: Romanian 9% Italian 4% Subsaharan African 3%
• Foreign-born: 3%
• Languages at home: 93% English-only · Russian/Polish/Slavic 5% Spanish 2%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.57%
• Current HPI: 299.5257
• 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

+16.7% since first listed

2 events — show timeline

• 2026-05-01 Price Changed $69,999 Zillow
• 2026-04-09 Listed $59,999 Zillow