1315 Crumrine St · Youngstown, OH 44505

$59,000

3 bd · 1.0 ba · 624 sqft · SingleFamily public records · 15 Days on market

Built 1913 7,479 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This 2-3 bdrm bungalow is situated on quiet dead-end street in Liberty Township with convenient access to Rt. 711. Perfect for an investor looking to add to their portfolio or someone looking for the right fixer upper. Main floor offers 2 bedrooms with a full bath, attic is currently being used as a 3rd bedroom with updated electric and insulation. Whole house was insulated in 2014…other updates include: whole house insulation in 2014, furnace -2014 and hot water tank in 2024. The enclosed front porch can be used as additional living space with some updates as well as the large mud room that overlooks the large peaceful side and backyards. Lots of potential with this home and price

Key facts

• Updated electric
• Large mud room
• Updated insulation

Tags

• QUIET DEAD-END STREET
• CONVENIENT ACCESS TO RT 711
• UPDATED ELECTRIC
• UPDATED INSULATION
• ENCLOSED FRONT PORCH
• LARGE MUD ROOM

Property features AI

Finance

• Financial info: Annual tax amount available

Exterior

• Parking: Detached 2-car garage; Driveway access
• Utilities: Public water; Septic tank
• Home design: Aluminum siding; Asphalt/fiberglass roof
• Construction: Built (year per public records); Aluminum siding construction; Asphalt/fiberglass roof
• Exterior features: Enclosed porch; Patio; Front porch

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Two main-level bedrooms
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air heating; Wall unit cooling
• Interior features: Full unfinished basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $59k.

Deal economics

• At list price, monthly cash flow is $468 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $59k).
• Recommended offer: $58k (1.5% below list) — sets the bar for market timing.
• Cap rate 15.8% vs local median 7.0% in Youngstown — 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 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Liberty Local (suburban): math 30% / reading 41% proficiency, ranked #555 of 656 in OH (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 80 active listings in the ZIP; lower-income renter base — watch delinquency; 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($36k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $408 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($58k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $58,115 (1.5% below list)

Questions for the listing agent

1. Built in 1913 — 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. Crime grade is F 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?
4. 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.
5. 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.
6. 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: 1.78% ✓
• Cap rate: 15.82%
• Cash-on-cash: 34.03%
• DSCR: 2.51
• GRM: 4.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 29.4%
• Equity multiple: 2.23×
• Total profit: $20,263
• Equity at exit: $8,797

10-year hold

• IRR: 36.7%
• Equity multiple: 4.39×
• Total profit: $56,010
• Equity at exit: $5,101

Cash invested: $16,520 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 44505

• Home prices YoY: -14.5%
• Active inventory: 80
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,050 medium
• Mortgage (P&I): −$309
• Tax from tax record: −$27 /mo · $324/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$220
• Net cashflow: $468

Break-even live

Break-even rent $457

Max offer price $59,000

Occupancy floor 50%

Sensitivity live

Price	-10% $502	-5% $485	+0% $468	+5% $452	+10% $435
Rent	-10% $386	-5% $427	+0% $468	+5% $510	+10% $551
Rate	-1.0pp $498	-0.5pp $483	base $468	+0.5pp $453	+1.0pp $438

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: $14,750
• Closing costs: $1,770
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-19
   days on market $59,000 Active 15 DOM
2. 2026-06-18
   days on market $59,000 Active 14 DOM
3. 2026-06-17
   days on market $59,000 Active 13 DOM
4. 2026-06-16
   days on market $59,000 Active 12 DOM
5. 2026-06-15
   days on market $59,000 Active 11 DOM
6. 2026-06-14
   days on market $59,000 Active 9 DOM
7. 2026-06-13
   days on market $59,000 Active 8 DOM
8. 2026-06-10
   days on market $59,000 Active 6 DOM
9. 2026-06-09
   days on market $59,000 Active 5 DOM
10. 2026-06-08
    days on market $59,000 Active 4 DOM
11. 2026-06-07
    remarks 692-char remark
12. 2026-06-07
    listed $59,000 Active 3 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $324 · $27/mo
• Projected year-2 tax: $622 · $52/mo
• Expected delta: +$298/yr (+$25/mo · 92.0%)

ⓘ 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 2/10 Low 6 d/yr ≥97°F today · 13 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,599
• − Mortgage interest: −$3,305
• − Property taxes: −$324
• − Insurance: −$295
• − Repairs & maintenance: −$1,008
• − Management: −$1,008
• − Depreciation: −$1,716
• Taxable income: $4,943
• Est. tax owed @ 24.0%: −$1,186
• After-tax cash flow: $4,435/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: Liberty Local
• NCES district ID: 3905019
• Math proficiency: 30% ▼ -23.00%
• Reading proficiency: 41% ▼ -16.00%
• Median HH income: $48,604
• Composite: 30.59/100
• National rank: #6202
• State rank: #555 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mahoning · 224,175 people
• City population: 28,503
• Metro: Youngstown-Warren, OH
• Population (ZIP): 16,449
• Household income: $36,480
• Rent vs Own: 47.5% rent · 52.5% own
• Severe rent burden: 10.8

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 37% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 10%
• Common ancestry: Romanian 2% Scotch-Irish 1%
• Foreign-born: 3% · Canada
• Languages at home: 88% English-only · Spanish 9% Arabic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.64%
• Current HPI: 192.3375
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

1 event — show timeline

• 2026-06-04 Listed $59,000 MLSNOW

Property tax history

-5.3%/yr

Latest (2025): $324 · +0.4% YoY. Source: county tax records.