1010 Bert Cir · Penn, PA 15675

$75,999

2 bd · 2.0 ba · 910 sqft · SingleFamily · 213 Days on market

Built 2026 Excellent condition 910 sqft lot $84/sqft · 14% below area Est $88k · 14% under

---

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 +25.8/30.0
• ARV discount +13.7/15.0
• DSCR +8.6/10.0
• Schools +7.5/10.0
• 1% rule +6.8/10.0
• Condition / age +5.0/5.0
• Appreciation +4.7/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0

Listing remarks

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.

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 $76k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $185 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($899 rent vs $76k).
• Recommended offer: $67k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 2.6% in Penn — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

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+, amenities F, commute 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.
• Zoned schools: Penn Trafford Hs (math 89%, 1,263 students, 19% FRL) — zoned schools at 19% FRL track the district average.
• Market conditions: 14 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 138d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).
• This rent is only 15% of the median local income ($72k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $89 of equity ($525 loan paydown + $-436 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 $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 213 days — a 12% lower offer ($67k) is reasonable based on typical stale-listing flexibility.

Recommended offer $66,879 (12.0% below list)

Questions for the listing agent

1. It's been on market 213 days. Have you received any prior offers? Is the seller open to a 12% 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: 1.18% ✓
• Cap rate: 9.21%
• Cash-on-cash: 10.42%
• DSCR: 1.46
• GRM: 7.0

CMA / ARV

• ARV (median comp): $88,049
• List price: $75,999
• Delta: -13.69%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
923 Scott Ave	0.95mi	2/2.0	936 (+3%)	7mo	$134,900	$144	55
214 S 7th St	1.11mi	2/1.0	900 (-1%)	8mo	$65,000	$72	53
303 Mount Manor Rd	1.13mi	3/2.0 (+1)	920 (+1%)	9mo	$161,000	$175	51
113 S 13th St	0.73mi	2/1.0	900 (-1%)	11mo	$85,000	$94	51
113 1/2 13th St	0.73mi	2/1.0	870 (-4%)	6mo	$66,800	$77	50
111 Dancer Ln	1.22mi	2/2.0	980 (+8%)	7mo	$25,000	$26	47
719 Julia St	1.38mi	2/2.0	936 (+3%)	18mo	$103,862	$111	45
17 Martha Ave	1.41mi	3/2.0 (+1)	1,000 (+10%)	4mo	$255,000	$255	40
247 Colleen Ln	1.34mi	3/2.0 (+1)	980 (+8%)	9mo	$34,900	$36	40
30 Marilou Dr	1.47mi	3/1.5 (+1)	988 (+9%)	5mo	$200,000	$202	40
25 Dolly Ave	1.41mi	3/2.0 (+1)	1,050 (+15%)	3mo	$235,000	$224	33
707 Clark Ave	1.18mi	3/2.0 (+1)	1,092 (+20%)	6mo	$170,000	$156	30

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: 7.7%
• Equity multiple: 1.35×
• Total profit: $7,536
• Equity at exit: $19,913

10-year hold

• IRR: 13.4%
• Equity multiple: 2.39×
• Total profit: $29,516
• Equity at exit: $22,278

Cash invested: $21,280 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 5 active
• Months of supply: 30.0 mo (3%/mo absorbed)
• Median asking: $79,999 ($84/sqft)
• Median days on market: 213 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +15.9% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 15675

• Home prices YoY: -0.2%
• Active inventory: 14
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $899 medium
• Mortgage (P&I): −$399
• Tax est. 1.5%: −$95 /mo · $1,140/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$189
• Net cashflow: $185

Break-even live

Break-even rent $665

Max offer price $75,999

Occupancy floor 74%

Sensitivity live

Price	-10% $237	-5% $211	+0% $185	+5% $159	+10% $132
Rent	-10% $114	-5% $149	+0% $185	+5% $220	+10% $256
Rate	-1.0pp $223	-0.5pp $204	base $185	+0.5pp $165	+1.0pp $145

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: $19,000
• Closing costs: $2,280
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
501 Baughman Ave Unit 1 Jeannette, PA	1.0	1.0	680	$725	$1.07	138d	1	1.37mi
36 Gaskill Ave Unit 2 Jeannette, PA	3.0	1.0	1100	$950	$0.86	107d	1	1.44mi
11 Cuyler Ave Unit 11 Jeannette, PA	2.0	1.0	900	$950	$1.06	0d	1	1.47mi
508 Lowry Ave Jeannette, PA	2.0	1.0	1000	$950	$0.95	184d	1	1.49mi

Property features AI

Finance

• Financial info: List price $59,999

Exterior

• Home design: Spec new construction — Plan: The Laurel
• Construction: Living area approximately 910Built as part of The Laurel plan
• Exterior features: Shake roof

Interior

• Bedrooms: 2 bedrooms
• Bathrooms: 2 bathrooms
• Interior features: Microwave

Listing history 50 events

1. 2026-11-08
   days on market $75,999 Active 213 DOM
2. 2026-11-07
   days on market $75,999 Active 212 DOM
3. 2026-11-06
   days on market $75,999 Active 211 DOM
4. 2026-11-05
   days on market $75,999 Active 210 DOM
5. 2026-11-04
   days on market $75,999 Active 209 DOM
6. 2026-11-02
   days on market $75,999 Active 207 DOM
7. 2026-11-01
   days on market $75,999 Active 206 DOM
8. 2026-10-31
   days on market $75,999 Active 205 DOM
9. 2026-10-30
   days on market $75,999 Active 204 DOM
10. 2026-10-29
    days on market $75,999 Active 203 DOM
11. 2026-10-28
    days on market $75,999 Active 202 DOM
12. 2026-10-27
    days on market $75,999 Active 201 DOM
13. 2026-10-26
    days on market $75,999 Active 200 DOM
14. 2026-10-25
    days on market $75,999 Active 199 DOM
15. 2026-10-24
    days on market $75,999 Active 198 DOM
16. 2026-10-23
    days on market $75,999 Active 197 DOM
17. 2026-10-22
    days on market $75,999 Active 196 DOM
18. 2026-10-21
    days on market $75,999 Active 195 DOM
19. 2026-10-20
    days on market $75,999 Active 194 DOM
20. 2026-10-19
    days on market $75,999 Active 193 DOM
21. 2026-10-18
    days on market $75,999 Active 192 DOM
22. 2026-10-17
    days on market $75,999 Active 191 DOM
23. 2026-10-16
    days on market $75,999 Active 190 DOM
24. 2026-10-15
    days on market $75,999 Active 189 DOM
25. 2026-10-14
    days on market $75,999 Active 188 DOM
26. 2026-10-13
    days on market $75,999 Active 187 DOM
27. 2026-10-12
    days on market $75,999 Active 186 DOM
28. 2026-10-11
    days on market $75,999 Active 185 DOM
29. 2026-10-10
    days on market $75,999 Active 184 DOM
30. 2026-10-09
    days on market $75,999 Active 183 DOM
31. 2026-10-08
    days on market $75,999 Active 182 DOM
32. 2026-10-07
    days on market $75,999 Active 181 DOM
33. 2026-10-06
    days on market $75,999 Active 180 DOM
34. 2026-10-05
    days on market $75,999 Active 179 DOM
35. 2026-10-04
    days on market $75,999 Active 178 DOM
36. 2026-10-04
    days on market $75,999 Active 177 DOM
37. 2026-10-02
    days on market $75,999 Active 176 DOM
38. 2026-10-01
    days on market $75,999 Active 175 DOM
39. 2026-09-30
    days on market $75,999 Active 174 DOM
40. 2026-09-29
    days on market $75,999 Active 173 DOM
41. 2026-09-28
    days on market $75,999 Active 172 DOM
42. 2026-09-27
    days on market $75,999 Active 171 DOM
43. 2026-09-25
    days on market $75,999 Active 169 DOM
44. 2026-09-24
    days on market $75,999 Active 168 DOM
45. 2026-09-23
    days on market $75,999 Active 167 DOM
46. 2026-09-22
    days on market $75,999 Active 166 DOM
47. 2026-09-21
    days on market $75,999 Active 165 DOM
48. 2026-09-20
    days on market $75,999 Active 164 DOM
49. 2026-09-19
    days on market $75,999 Active 163 DOM
50. 2026-09-18
    days on market $75,999 Active 162 DOM

ⓘ 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: $10,785
• − Mortgage interest: −$4,257
• − Property taxes: −$1,140
• − Insurance: −$380
• − Repairs & maintenance: −$863
• − Management: −$863
• − Depreciation: −$2,211
• Taxable income: $1,072
• Est. tax owed @ 24.0%: −$257
• After-tax cash flow: $1,961/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. ↑

B Composite school gradezoned avg 74/100

Zoned Schools

Elementary Harrison Park El Sch A PA #89/1,518 Nat'l #2,202/41,679 High Penn Trafford Hs

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

D Composite livability gradescore 56/100

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

• County: Westmoreland · 342,555 people
• Metro: Pittsburgh, PA
• Population (ZIP): 1,259
• Household income: $71,970
• Rent vs Own: 16.7% rent · 83.3% own

---

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%
• 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

Property features AI

Finance

• Financial info: List price $59,999

Exterior

• Home design: Spec new construction — Plan: The Laurel
• Construction: Living area approximately 910Built as part of The Laurel plan
• Exterior features: Shake roof

Interior

• Bedrooms: 2 bedrooms
• Bathrooms: 2 bathrooms
• Interior features: Microwave