CashFlowRE
Sign in Sign up
3797 Mangrove Dr
C+ Composite 61.89
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 +22.2/30.0
  • ARV discount +15.0/15.0
  • DSCR +7.1/10.0
  • 1% rule +5.4/10.0
  • Schools +4.4/10.0
  • Rent growth +2.8/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$129,900

3797 Mangrove Dr · Lehigh, PA 18067
1 bd · 1.0 ba · 612 sqft · SingleFamily public records · 7 Days on market
Built 1942 5,208 sqft lot $212/sqft · 42% below area Est $224k · 42% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!

Key facts

  • Public sewer
  • Screened-in porch
  • Attached garage

Tags

LVP FLOORINGSCREENED-IN PORCHATTACHED GARAGEPUBLIC SEWER200-AMP ELECTRICIMMEDIATE POSSESSION

Property features AI

Exterior

  • Parking: Built-in garage; Garage (1 car); Off-street parking
  • Utilities: Public sewer; Well water
  • Home design: Single-story home; Above-grade finished area listed
  • Construction: Aluminum siding; Wood siding; Asphalt/fiberglass roof
  • Exterior features: Patio; Not in a subdivision; Property offers views

Interior

  • Kitchen: Electric oven; Electric range; Refrigerator
  • Bedrooms: Total of 5 rooms (includes bedrooms and living spaces)
  • Flooring: Luxury vinyl; Luxury vinyl plank
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Baseboard heating; Electric heating; 200+ amp electrical service with circuit breakers
  • Interior features: Dining area; Eat-in kitchen; Mud room; Utility room; Has view
  • Laundry & utility: Laundry on main level; Gas water heater

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath single-family listed at $130k.

Deal economics

  • At list price, monthly cash flow is $211 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $130k).

Location & tenants

  • Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
  • Northampton Area SD (suburban): math 47% / reading 54% proficiency, ranked #153 of 539 in PA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Lehigh El Sch (math 57% / reading 62%, grade B-, #377 of 1,518 statewide, top 28%, 492 students, 39% FRL); Northampton Area Ms (math 24% / reading 46%, grade F, #322 of 512 statewide, top 64%, 1,256 students, 42% FRL); Northampton Area Hs (math 60% / reading 24%, grade F, #230 of 437 statewide, top 53%, 1,862 students, 31% FRL) — zoned schools average 38% FRL vs 22% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising (+1.3%/yr); 99 active listings in the ZIP; solid renter incomes; 567 units permitted in Northampton County in 2024 (151 in 5+ unit buildings).
  • This rent is only 17% of the median local income ($94k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

  • Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
  • 2 sale attempts since 10y 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.

Risks & watch-outs

  • Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $129,900

Questions for the listing agent

  1. Built in 1942 — 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. 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
1.04%
Cap rate
8.24%
Cash-on-cash
6.96%
DSCR
1.31
GRM
8.0

CMA / ARV

ARV (median comp)
$223,683
List price
$129,900
Delta
-41.93%
Verdict
UNDERPRICED
Comps
2 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.28% rent growth · sell at horizon

5-year hold
IRR
-7.5%
Equity multiple
0.73×
Total profit
$-9,921
Equity at exit
$19,369
10-year hold
IRR
-0.2%
Equity multiple
0.99×
Total profit
$-465
Equity at exit
$11,231

Cash invested: $36,372 (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.

ZIP-level market 18067

Rents YoY
1.3%
Active inventory
99
Price-to-rent
8.0×

Monthly cashflow live

Estimated rent
$1,348 medium interval (Pro) →
Mortgage (P&I)
$681
Tax from tax record
$119 /mo · $1,423/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$283
Net cashflow
$211

Break-even live

Break-even rent $1,081
Max offer price $129,900
Occupancy floor 79%

Sensitivity live

Price -10% $284 -5% $248 +0% $211 +5% $174 +10% $137
Rent -10% $104 -5% $158 +0% $211 +5% $264 +10% $317
Rate -1.0pp $276 -0.5pp $244 base $211 +0.5pp $177 +1.0pp $143

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
$32,475
Closing costs
$3,897
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 6 events

  1. 2026-05-06
    status Pending 513-char remark
  2. 2026-04-29
    listed $129,900 Active 513-char remark
  3. 2017-05-24
    soldstatus $60,000
  4. 2017-05-19
    soldstatus $60,000 Sold 176-char remark
    Show marketing remark (176 chars)

    Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!

  5. 2017-04-03
    status Pending 176-char remark
    Show marketing remark (176 chars)

    Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!

  6. 2016-12-14
    listed $63,000 Active 176-char remark
    Show marketing remark (176 chars)

    Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!

ⓘ 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
$1,423 · $119/mo
Projected year-2 tax
$1,738 · $145/mo
Expected delta
+$315/yr (+$26/mo · 22.1%)

ⓘ 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 4/10 Moderate 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$16,173
− Mortgage interest
−$7,276
− Property taxes
−$1,423
− Insurance
−$650
− Repairs & maintenance
−$1,294
− Management
−$1,294
− Depreciation
−$3,779
Taxable income
$458
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$110
After-tax cash flow
$2,420/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
Northampton Area SD
NCES district ID
4217370
Math proficiency
47% ▼ -1.00%
Reading proficiency
54% ▼ -13.00%
Median HH income
$62,326
Composite
44.35/100
National rank
#2822
State rank
#153 of 539 in PA

Livability — Lehigh

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

Census & demographics

County
Northampton County · 236,814 people
Metro
Allentown-Bethlehem-Easton, PA-NJ
Population (ZIP)
19,590
Household income
$93,652
Rent vs Own
22.5% rent · 77.5% own
Severe rent burden
326.0

Population outlook (Northampton County) Hauer SSP2

Today (2025)
312,227 people
By 2030
314,769 · +0.8%
By 2040
316,914 · +1.5%
By 2050
318,037 · +1.9%
By 2075
334,003 · +7.0%
By 2100
344,696 · +10.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (85%)
Race & ethnicity
White 85% Hispanic / Latino 10% Two or more races 7% Asian 1% Black 1%
Hispanic origin (detail)
Mexican 2% Puerto Rican 6% Dominican 1%
Common ancestry
Polish 4% Romanian 3% Scotch-Irish 2%
Foreign-born
5% · Canada, China
Languages at home
92% English-only · Spanish 3% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Northampton

2024 margin
Toss-up / Even · D 48.6% · R 50.4%
2008→2024 swing
-14.1pp toward R · 2008: 12.3pp · 2024: -1.8pp
All cycles
2024: R+1.8 2020: D+0.7 2016: R+3.8 2012: D+4.6 2008: D+12.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -183.11%
Current HPI
222.3606
Rent YoY
▲ 1.28%
Metro
Allentown-Bethlehem-Easton, PA-NJ
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

+114.3% since first listed
7 events — show timeline
  • 2026-06-09 Sold (Public Records) $135,000 Public Records
  • 2026-05-06 Pending GLVRMLS
  • 2026-04-29 Listed $129,900 GLVRMLS
  • 2017-05-24 Sold (Public Records) $60,000 Public Records
  • 2017-05-19 Sold (MLS) $60,000 GLVRMLS
  • 2017-04-03 Pending GLVRMLS
  • 2016-12-14 Listed $63,000 GLVRMLS

Property tax history

+1.6%/yr

Latest (2026): $1,423 · +4.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…