90 Earth Dr · Covington, PA 18424

$69,900

2 bd · 1.0 ba · 400 sqft · Manufactured · 14 Days on market

Built 2000 Good condition 5,662 sqft lot $171/mo HOA · 15% of rent

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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 +29.4/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +9.2/10.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Condition / age +3.8/5.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0

Listing remarks

Location Location Location walking distance to the pool complex fully renovated Park Model Mobile home in the most vibrant recreational community in the Poconos, the Eagle Lake Community. Freshly groomed and graveled flat lot with new decking and nicely finished shed, fully renovated 2000 Park Model Home with new flooring.

Key facts

• New decking
• Nicely finished shed
• New flooring

Tags

• NEW DECKING
• NICELY FINISHED SHED
• NEW FLOORING

Property features AI

Finance

• Other: Subdivision: Eagle Lake; Directions available
• Financial info: Annual tax information available (not included per instructions)
• HOA & community: Homeowners association with annual fee; Annual association fee of $2,046 (includes water, sewer, trash, security); Community amenities include tennis courts, basketball court, and other shared facilities

Exterior

• Parking: Detached carport; Carport with 4 spaces
• Security: Association provides security services
• Utilities: Public water; Public sewer; Cable available
• Home design: Mobile home (other body type)
• Construction: Wood siding; Wood skirting
• Exterior features: Shingle roof; Lot in a residential subdivision (Eagle Lake)

Interior

• Kitchen: Gas range; Refrigerator; Microwave
• Bedrooms: Total of 4 rooms (number of bedrooms not specified)
• Flooring: Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Electric heating; Propane heating; No cooling
• Interior features: Vaulted ceilings; Unfurnished
• Laundry & utility: No specific laundry appliances listed

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $70k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $247 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• North Pocono SD (rural): math 45% / reading 71% proficiency, ranked #82 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 299 active listings in the ZIP; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($483 loan paydown + $6k appreciation (8.4% local appreciation)).
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (8.4% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $69,900

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.63% ✓
• Cap rate: 10.54%
• Cash-on-cash: 15.15%
• DSCR: 1.67
• GRM: 5.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 32.7%
• Equity multiple: 3.39×
• Total profit: $46,706
• Equity at exit: $55,284

10-year hold

• IRR: 29.0%
• Equity multiple: 7.35×
• Total profit: $124,205
• Equity at exit: $111,883

Cash invested: $19,572 (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 18424

• Home prices YoY: 2.2%
• Active inventory: 299
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,141 medium
• Mortgage (P&I): −$367
• Tax est. 1.5%: −$87 /mo · $1,048/yr
• Insurance: −$29
• HOA: −$171
• Vacancy / Maint / Mgmt: −$240
• Net cashflow: $247

Break-even live

Break-even rent $828

Max offer price $69,900

Occupancy floor 73%

Sensitivity live

Price	-10% $295	-5% $271	+0% $247	+5% $223	+10% $199
Rent	-10% $157	-5% $202	+0% $247	+5% $292	+10% $337
Rate	-1.0pp $282	-0.5pp $265	base $247	+0.5pp $229	+1.0pp $211

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $171 · $2,052/yr
• Likely covers: pool

Listing history 11 events

1. 2026-06-18
   days on market $69,900 Active 14 DOM
2. 2026-06-17
   days on market $69,900 Active 13 DOM
3. 2026-06-16
   days on market $69,900 Active 12 DOM
4. 2026-06-15
   days on market $69,900 Active 11 DOM
5. 2026-06-14
   days on market $69,900 Active 9 DOM
6. 2026-06-13
   days on market $69,900 Active 8 DOM
7. 2026-06-10
   days on market $69,900 Active 6 DOM
8. 2026-06-09
   days on market $69,900 Active 5 DOM
9. 2026-06-08
   days on market $69,900 Active 4 DOM
10. 2026-06-07
    remarks 324-char remark
11. 2026-06-07
    listed $69,900 Active 3 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 3/10 Moderate
• 🌡 Heat 1/10 Low 7 d/yr ≥88°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,689
• − Mortgage interest: −$3,915
• − Property taxes: −$1,048
• − Insurance: −$350
• − Repairs & maintenance: −$1,095
• − Management: −$1,095
• − HOA: −$2,052
• − Depreciation: −$2,033
• Taxable income: $2,100
• Est. tax owed @ 24.0%: −$504
• After-tax cash flow: $2,462/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 · 8 photos

Good 75/100 Cosmetic rehab

This fully renovated Park Model Mobile home is in excellent condition with new flooring, appliances, and exterior. It's located in a vibrant recreational community with a newly groomed lot and new deck, making it an attractive investment for both resale and rental.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and resale value.
• Both Landscaping improvements — Enhances curb appeal and rental value.
• Resale Upgrading appliances — Improves the home's marketability and value.
• Rental Adding a small shed or storage unit — Provides additional storage and rental appeal.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and resale value. ↑
• Both Landscaping improvements — Enhances curb appeal and rental value. ↑
• Resale Upgrading appliances — Improves the home's marketability and value. ↑
• Rental Adding a small shed or storage unit — Provides additional storage and rental appeal. ↑

ⓘ 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: North Pocono SD
• NCES district ID: 4217310
• Math proficiency: 45% ▼ -9.00%
• Reading proficiency: 71% ▼ -2.00%
• Median HH income: $59,555
• Composite: 50.23/100
• National rank: #1894
• State rank: #82 of 539 in PA

Livability — Covington

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

Census & demographics

• Census place: Eagle Lake, PA
• Population (ZIP): 5,076

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 6% Hispanic / Latino 5% Black 1%
• Hispanic origin (detail): Puerto Rican 2% Dominican 1% Salvadoran 1%
• Common ancestry: Romanian 11% Iranian 6% Scotch-Irish 3%
• Foreign-born: 3% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.45%
• Current HPI: 399.903
• 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

1 event — show timeline

• 2026-06-04 Listed $69,900 PMAR