640 Old Lincoln Hwy · Hayti, PA 19320

$194,900

3 bd · 1.0 ba · 1,667 sqft · SingleFamily public records · 204 Days on market

Built 1913 2,817 sqft lot $117/sqft · 38% below area Est $316k · 38% under

---

Why this score? — see what drove the C+ 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 +23.6/30.0
• ARV discount +15.0/15.0
• DSCR +7.6/10.0
• 1% rule +5.5/10.0
• Rent growth +3.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

Key facts

• New kitchen
• Fresh interior paint
• Parking

Tags

• UPDATED VICTORIAN TWIN
• NEW KITCHEN
• NEW LAMINATE FLOORING
• FRESH INTERIOR PAINT
• NEW OIL HEATING SYSTEM

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $195k.

Deal economics

• At list price, monthly cash flow is $366 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $195k).
• Recommended offer: $172k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Coatesville Area SD (suburban): math 18% / reading 31% proficiency, ranked #457 of 539 in PA (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+4.8%/yr); 255 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,513 units permitted in Chester County in 2024 (354 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Chester County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.8% rent growth), your $55k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 204 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 26y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $65k; list at $195k implies a 200% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wind risk, 24% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 204 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1913 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.05% ✓
• Cap rate: 8.55%
• Cash-on-cash: 8.05%
• DSCR: 1.36
• GRM: 7.9

CMA / ARV

• ARV (median comp): $315,716
• List price: $194,900
• Delta: -38.27%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
139 Highland Ave	0.37mi	3/1.0	1,680 (+1%)	15mo	$200,000	$119	69
112 Country Run Dr	0.29mi	3/2.5	1,579 (-5%)	7mo	$337,000	$213	66
967 W Main St	0.46mi	3/1.5	1,750 (+5%)	3mo	$315,000	$180	66
102 Dague Farm Dr	0.48mi	3/2.5	1,688 (+1%)	10mo	$410,500	$243	61
110 Coldbrooke Ln	0.46mi	3/2.5	1,579 (-5%)	3mo	$330,000	$209	61
902 George St	0.27mi	4/2.5 (+1)	1,608 (-4%)	12mo	$380,000	$236	61
112 Wesley Ln	0.43mi	3/2.5	1,579 (-5%)	12mo	$350,000	$222	55
113 Millview Dr	0.34mi	3/2.5	1,563 (-6%)	15mo	$349,900	$224	55
120 Marquis Dr	0.52mi	3/2.5	1,784 (+7%)	6mo	$347,500	$195	53
198 Grant Ave	0.75mi	3/2.0	1,488 (-11%)	11mo	$220,000	$148	34
859 W Chestnut St	0.52mi	4/3.5 (+1)	1,835 (+10%)	12mo	$444,000	$242	34
324 Dague Farm Dr	0.63mi	3/1.5	1,442 (-14%)	15mo	$370,000	$257	34

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 · 4.82% rent growth · sell at horizon

5-year hold

• IRR: -2.1%
• Equity multiple: 0.92×
• Total profit: $-4,470
• Equity at exit: $29,060

10-year hold

• IRR: 9.3%
• Equity multiple: 1.78×
• Total profit: $42,331
• Equity at exit: $16,851

Cash invested: $54,572 (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 19320

• Rents YoY: 4.8%
• Active inventory: 255
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,054 high
• Mortgage (P&I): −$1,022
• Tax from tax record: −$154 /mo · $1,844/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $366

Break-even live

Break-even rent $1,591

Max offer price $194,900

Occupancy floor 77%

Sensitivity live

Price	-10% $476	-5% $421	+0% $366	+5% $311	+10% $256
Rent	-10% $204	-5% $285	+0% $366	+5% $447	+10% $528
Rate	-1.0pp $464	-0.5pp $416	base $366	+0.5pp $315	+1.0pp $264

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: $48,725
• Closing costs: $5,847
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
416 W Lincoln Hwy Coatesville, PA	3.0	1.0	1240	$2,100	$1.69	20d	1	0.28mi
420 Valley Rd Coatesville, PA	4.0	1.0	2000	$2,100	$1.05	7d	1	0.39mi
322 Charles St Coatesville, PA	3.0	1.0	1064	$1,700	$1.60	26d	1	0.40mi
398 Valley Rd Coatesville, PA	4.0	1.0	2000	$2,100	$1.05	7d	1	0.41mi
342 Valley Rd Coatesville, PA	3.0	1.0	1131	$1,450	$1.28	45d	1	0.47mi
100 Cobblestone Dr Coatesville, PA	1.0–2.0	1.0–2.0	974	$2,039	$2.09	21d	19	0.56mi
100 Cobblestone Dr Unit 2224 Coatesville, PA	2.0	2.0	1178	$1,840	$1.56	7d	1	0.56mi
100 Cobblestone Dr Unit 1910 Coatesville, PA	2.0	2.0	1088	$1,890	$1.74	16d	1	0.56mi
100 Cobblestone Dr Unit 1816 Coatesville, PA	2.0	2.0	1178	$1,965	$1.67	16d	1	0.56mi
100 Cobblestone Dr Unit 2216 Coatesville, PA	2.0	2.0	1178	$1,810	$1.54	16d	1	0.56mi
100 Cobblestone Dr Unit 2114 Coatesville, PA	2.0	2.0	1088	$1,719	$1.58	16d	1	0.56mi
100 Cobblestone Dr Unit 1407 Coatesville, PA	2.0	2.0	1178	$1,784	$1.51	16d	1	0.56mi
100 Cobblestone Dr Unit 2024 Coatesville, PA	2.0	2.0	1178	$1,925	$1.63	16d	1	0.56mi
100 Cobblestone Dr Unit 2209 Coatesville, PA	2.0	2.0	1078	$2,000	$1.86	16d	1	0.56mi
100 Cobblestone Dr Unit 1109 Coatesville, PA	2.0	2.0	1178	$1,766	$1.50	16d	1	0.56mi
1055 W Lincoln Hwy Coatesville, PA	3.0	1.0	1152	$2,600	$2.26	45d	1	0.72mi
23 N 2nd Ave Coatesville, PA	3.0	1.0	1125	$1,685	$1.50	26d	1	0.93mi
80 Muirfield Ct Coatesville, PA	3.0	1.5	1596	$2,150	$1.35	45d	1	1.07mi
100 Harlan Dr Coatesville, PA	2.0–4.0	1.0–2.0	1062	$1,294	$1.22	0d	1	1.21mi
92 Virginia Ave Coatesville, PA	3.0	1.5	1184	$1,850	$1.56	26d	1	1.37mi
112 Hamilton Ln Coatesville, PA	3.0	2.5	1520	$2,799	$1.84	45d	1	1.39mi
62 Rose Glen Ct Coatesville, PA	3.0	2.5	1556	$2,550	$1.64	20d	1	1.42mi
62 Rose Glen Ct Coatesville, PA	3.0	2.5	1556	$2,550	$1.64	6d	1	1.42mi
603 E Chestnut St Coatesville, PA	4.0	1.0	1629	$2,000	$1.23	23d	1	1.44mi
40 Beech St Coatesville, PA	4.0	1.0	1150	$1,850	$1.61	26d	1	1.47mi

Listing history 16 events

1. 2026-05-08
   status Active 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

2. 2026-05-07
   status Pending 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

3. 2026-04-09
   price $194,900 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

4. 2025-12-01
   price $199,900 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

5. 2025-11-05
   status Active 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

6. 2025-10-27
   historical 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

7. 2025-10-24
   listed $204,900 Active 416-char remark

   Show marketing remark (416 chars)

   Large Updated Victorian Twin with off street parking. New Kitchen, New Laminate Flooring, Fresh Interior Paint, New Oil Heating System and Tank & More. Large Living Room, Dining Room and Eat In Kitchen on 1st Floor, 3 Bedrooms and a Full Bath on 2nd Floor. Large Finished Room of 3rd Floor could be 4th Bedroom. Convenient location with easy access to major Routes and Shopping. Priced to Sell-Don't miss it!!

8. 2024-05-31
   soldstatus $65,000
9. 2003-06-04
   soldstatus $72,000
10. 2003-05-16
    soldstatus $82,000 227-char remark

    Show marketing remark (227 chars)

    Brick twin updates include, new paint, carpet, electric, water heater, pressure tank, well pump, filter system, .. 8 x 11 & 12 x 15 covered decks w/ handicap ramp. . Section 8 rental for $1050/mo. Tenants want to stay. ..

11. 2003-04-17
    historical 227-char remark

    Show marketing remark (227 chars)

    Brick twin updates include, new paint, carpet, electric, water heater, pressure tank, well pump, filter system, .. 8 x 11 & 12 x 15 covered decks w/ handicap ramp. . Section 8 rental for $1050/mo. Tenants want to stay. ..

12. 2003-02-13
    listed $82,000 227-char remark

    Show marketing remark (227 chars)

    Brick twin updates include, new paint, carpet, electric, water heater, pressure tank, well pump, filter system, .. 8 x 11 & 12 x 15 covered decks w/ handicap ramp. . Section 8 rental for $1050/mo. Tenants want to stay. ..

13. 2000-06-02
    soldstatus $40,000
14. 2000-05-31
    soldstatus $40,000
15. 2000-05-06
    historical
16. 2000-02-04
    listed $40,000

ⓘ 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: $1,844 · $154/mo
• Projected year-2 tax: $2,462 · $205/mo
• Expected delta: +$618/yr (+$51/mo · 33.5%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 14 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,651
• − Mortgage interest: −$10,917
• − Property taxes: −$1,844
• − Insurance: −$974
• − Repairs & maintenance: −$1,972
• − Management: −$1,972
• − Depreciation: −$5,670
• Taxable income: $1,301
• Est. tax owed @ 24.0%: −$312
• After-tax cash flow: $4,079/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: Coatesville Area SD
• NCES district ID: 4206240
• Math proficiency: 18% ▼ -9.00%
• Reading proficiency: 31% ▼ -9.00%
• Median HH income: $66,753
• Composite: 23.19/100
• National rank: #7944
• State rank: #457 of 539 in PA

Livability — Hayti

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

Census & demographics

• Census place: Hayti, PA
• County: Chester County · 432,350 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 55,941
• Household income: $90,601
• Rent vs Own: 26.2% rent · 73.8% own
• Severe rent burden: 1480.0

Population outlook (Chester County) Hauer SSP2

• Today (2025): 546,756 people
• By 2030: 559,441 · +2.3%
• By 2040: 576,377 · +5.4%
• By 2050: 580,602 · +6.2%
• By 2075: 581,575 · +6.4%
• By 2100: 540,922 · -1.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 62% Black 17% Hispanic / Latino 14% Two or more races 11%
• Hispanic origin (detail): Mexican 5% Puerto Rican 5%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 6% · Canada
• Languages at home: 87% English-only · Spanish 10% German/W. Germanic 1% Russian/Polish/Slavic 0%

Political lean MEDSL · Chester

• 2024 margin: D (+14.5) · D 56.7% · R 42.2% · Other 1.0%
• 2008→2024 swing: +5.2pp toward D · 2008: 9.2pp · 2024: 14.5pp
• All cycles: 2024: D+14.5 2020: D+17.0 2016: D+9.2 2012: R+0.4 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -195.38%
• Current HPI: 274.045
• Rent YoY: ▲ 4.82%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• 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

+387.2% since first listed

16 events — show timeline

• 2026-05-08 Relisted — BRIGHT MLS
• 2026-05-07 Pending — BRIGHT MLS
• 2026-04-09 Price Changed $194,900 BRIGHT MLS
• 2025-12-01 Price Changed $199,900 BRIGHT MLS
• 2025-11-05 Relisted — BRIGHT MLS
• 2025-10-27 Listing Removed — BRIGHT MLS
• 2025-10-24 Listed $204,900 BRIGHT MLS
• 2024-05-31 Sold (Public Records) $65,000 Public Records
• 2003-06-04 Sold (Public Records) $72,000 Public Records
• 2003-05-16 Sold (MLS) $82,000 BRIGHT MLS
• 2003-04-17 Listing Removed — BRIGHT MLS
• 2003-02-13 Listed $82,000 BRIGHT MLS
• 2000-06-02 Sold (Public Records) $40,000 Public Records
• 2000-05-31 Sold (MLS) $40,000 BRIGHT MLS
• 2000-05-06 Listing Removed — BRIGHT MLS
• 2000-02-04 Listed $40,000 BRIGHT MLS

Property tax history

+3.2%/yr

Latest (2026): $1,844 · +2.8% YoY. Source: county tax records.