319 Ohio Ave · McDonald, OH 44437

$139,900

3 bd · 1.0 ba · 1,300 sqft · SingleFamily public records · 4 Days on market

Built 1950 9,748 sqft lot Est $135k · at est.

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Why this score? — see what drove the D+ 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 +18.4/30.0
• ARV discount +5.9/15.0
• DSCR +5.8/10.0
• Schools +5.3/10.0
• 1% rule +4.3/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Very nice home, great location. Awesome floor plan, some TLC needed but worth the time and expense. Must See this gem! Investor offers held for first 16 days of listing. This is a Fannie Mae Homepath Property approved for Homepath Renovation Mortgage Financing. Call lister for details. Rekey fee charged to buyer at closing. Please Download Attached Addendums, you will need them to submit offer.

Key facts

• 3 season room
• New flooring
• Large living room

Tags

• UPDATED HOME
• LARGE LIVING ROOM
• 3 SEASON ROOM
• NEW WINDOWS
• NEW FLOORING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $130 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (7.0% below list).
• Recommended offer: $130k (7.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#376 in OH) — a middle-class / working-renter tenant base. Strengths: schools A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Mcdonald Local (suburban): math 57% / reading 67% proficiency, ranked #259 of 656 in OH (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 21 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k 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.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 13y 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 $41k; list at $140k implies a 242% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,103 (7.0% below list)

Questions for the listing agent

1. Built in 1950 — 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.93% ✗
• Cap rate: 7.41%
• Cash-on-cash: 3.99%
• DSCR: 1.18
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $135,200
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
334 Hayes Ave	0.15mi	3/1.0	1,284 (-1%)	8mo	$129,900	$101	84
304 Ohio Ave	0.04mi	4/1.0 (+1)	1,248 (-4%)	6mo	$127,500	$102	81
207 Pennsylvania Ave	0.15mi	4/1.5 (+1)	1,248 (-4%)	8mo	$129,900	$104	73
438 Grant St	0.18mi	2/1.0 (-1)	1,200 (-8%)	1mo	$137,000	$114	73
522 Illinois Ave	0.28mi	3/2.0	1,350 (+4%)	8mo	$120,000	$89	70
419 Hayes Ave	0.21mi	3/1.5	1,152 (-11%)	6mo	$140,000	$122	64
438 Hayes Ave	0.22mi	2/1.0 (-1)	1,148 (-12%)	4mo	$125,000	$109	62
456 Mcdonald Ave	0.50mi	2/1.0 (-1)	1,360 (+5%)	3mo	$107,500	$79	61
410 Mckinley Blvd	0.28mi	3/2.0	1,192 (-8%)	12mo	$193,900	$163	59
925 Ohio Ave	0.70mi	3/1.0	1,186 (-9%)	6mo	$124,000	$105	47
943 Ohio Ave	0.73mi	3/1.0	1,152 (-11%)	3mo	$90,900	$79	44
307 W 7th St	0.46mi	2/1.0 (-1)	1,448 (+11%)	12mo	$130,000	$90	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.63×
• Total profit: $-14,396
• Equity at exit: $20,860

10-year hold

• IRR: -0.7%
• Equity multiple: 0.95×
• Total profit: $-1,946
• Equity at exit: $12,096

Cash invested: $39,172 (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 44437

• Home prices YoY: -7.8%
• Active inventory: 21
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,301 high
• Mortgage (P&I): −$734
• Tax from tax record: −$106 /mo · $1,267/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $130

Break-even live

Break-even rent $1,136

Max offer price $139,900

Occupancy floor 85%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
701 Summit Ave Niles, OH	2.0	1.0–2.0	963	$1,220	$1.27	13d	1	1.07mi
1079 North Ave Girard, OH	3.0	2.0	1462	$1,600	$1.09	13d	1	1.18mi
103 Hazel St Girard, OH	2.0	1.5	1152	$1,100	$0.95	13d	1	1.27mi
3504 Oakview Dr Girard, OH	3.0	1.0	1276	$1,450	$1.14	13d	1	1.32mi
1916 Youll St Niles, OH	1.0–3.0	1.0–1.5	1216	$1,130	$0.93	13d	1	1.35mi
848 Lawrence Ave Girard, OH	3.0	1.0	950	$1,400	$1.47	13d	1	1.35mi
833 Lawrence Ave Girard, OH	4.0	1.0	1312	$1,450	$1.11	13d	1	1.38mi
135 E Broadway Ave Girard, OH	2.0	1.0	1120	$995	$0.89	13d	1	1.45mi

Listing history 6 events

1. 2026-06-01
   statusdays on market $139,900 Pending 4 DOM
2. 2026-05-31
   days on market $139,900 Active 3 DOM
3. 2026-05-30
   days on market $139,900 Active 2 DOM
4. 2026-05-28
   listed $139,900 Active
5. 2013-09-06
   soldstatus $40,900 397-char remark

   Show marketing remark (397 chars)

   Very nice home, great location. Awesome floor plan, some TLC needed but worth the time and expense. Must See this gem! Investor offers held for first 16 days of listing. This is a Fannie Mae Homepath Property approved for Homepath Renovation Mortgage Financing. Call lister for details. Rekey fee charged to buyer at closing. Please Download Attached Addendums, you will need them to submit offer.

6. 2013-05-06
   listed $40,900 397-char remark

   Show marketing remark (397 chars)

   Very nice home, great location. Awesome floor plan, some TLC needed but worth the time and expense. Must See this gem! Investor offers held for first 16 days of listing. This is a Fannie Mae Homepath Property approved for Homepath Renovation Mortgage Financing. Call lister for details. Rekey fee charged to buyer at closing. Please Download Attached Addendums, you will need them to submit offer.

ⓘ 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: $1,267 · $106/mo
• Projected year-2 tax: $1,725 · $144/mo
• Expected delta: +$458/yr (+$38/mo · 36.1%)

ⓘ 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 3/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,612
• − Mortgage interest: −$7,837
• − Property taxes: −$1,267
• − Insurance: −$700
• − Repairs & maintenance: −$1,249
• − Management: −$1,249
• − Depreciation: −$4,070
• Taxable loss: −$759
• Est. tax savings @ 24.0%: +$182
• After-tax cash flow: $1,745/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: Mcdonald Local
• NCES district ID: 3905022
• Math proficiency: 57% ▼ -20.00%
• Reading proficiency: 67% ▼ -11.00%
• Median HH income: $49,637
• Composite: 52.66/100
• National rank: #1554
• State rank: #259 of 656 in OH

Livability — McDonald

• Score: 72/100
• State rank: #376
• US rank: #6131

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McDonald, OH
• County: Trumbull · 193,293 people
• City population: 3,900
• Metro: Youngstown-Warren, OH
• Population (ZIP): 3,900
• Household income: $72,545
• Rent vs Own: 17.1% rent · 82.9% own

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: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Romanian 7% Scotch-Irish 2% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 96% English-only · Other Indo-European 3% Spanish 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: ▼ -20.52%
• Current HPI: 241.8126
• 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

+242.1% since first listed

3 events — show timeline

• 2026-05-28 Listed $139,900 MLSNOW
• 2013-09-06 Sold (MLS) $40,900 MLSNOW
• 2013-05-06 Listed $40,900 MLSNOW

Property tax history

+0.2%/yr

Latest (2025): $1,267 · +0.4% YoY. Source: county tax records.