91 Lower Loop Rd · Centre, PA 19533

$54,900

2 bd · 1.0 ba · 660 sqft · Manufactured public records · 55 Days on market

Built 1970 1,000 sqft lot $735/mo HOA · 56% of rent ↓ 15% since listing

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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 +11.4/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.0/10.0
• DSCR +3.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Tucked away in a peaceful, wooded setting, this beautifully maintained 2-bedroom, 1-bath home offers the perfect blend of comfort and functionality. A finished bonus third room, located just off the side of the home, provides flexible space ideal for a mudroom, laundry area, workshop, or additional storage -- adding just the right amount room to compliment this peaceful home. Step inside to find a bright, open living room that feels both spacious and inviting--ideal for relaxing or entertaining. The thoughtfully designed U-shaped kitchen offers excellent functionality and flow, giving you plenty of space to cook, prep, and enjoy everyday living. Beyond the main living areas, this home truly stands out with its bonus spaces--a dedicated laundry room, mudroom, or tool room--offering flexibility to fit your lifestyle. Whether you need extra storage, a hobby space, or a workshop, the possibilities here are wide open. The primary bedroom is offers a comfortable and spacious retreat, while the second bedroom is perfectly suited for a child's room, playroom or study space--especially ideal for those looking to be part of the highly regarded Schuylkill Valley School District. The home has been well cared for and maintained with pride, offering a clean and inviting space to build on. While it may benefit from some minor updates and finishing touches, it presents a wonderful opportunity to add your own style and value over time. Outside, enjoy your own private fenced-in yard--perfect for pets, play, or simply relaxing in your own peaceful outdoor space. Set in a beautiful wooded setting, this home offers a rare sense of privacy while still being just minutes from major routes including 422, 61, and 183--making commuting and everyday errands incredibly convenient without sacrificing that tucked-away, nature-filled feel. Additional highlights include: - Washer/dryer combo unit included (brand new, space saving and efficient) - Lot rent covers water, sewer, and snow removal - Community allows hardscaping and landscaping--customize your outdoor space to your vision This is an incredible opportunity to own a spacious, well-kept home in a beautiful setting at an unbeatable price. Homes like this--with space, privacy, and flexibility--are rare at this value. Schedule your showing today--this one won't last.

Key facts

• 1,000 sq ft lot
• 3 parking spots
• Built 1970

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $55k.

Deal economics

• At list price, monthly cash flow is $-19 ($-227/yr) — negative.
• To cash-flow at today's rent, offer at most $52k (6.1% below list).
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $52k (6.1% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Schuylkill Valley SD (suburban): math 35% / reading 55% proficiency, ranked #240 of 539 in PA (top 44%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Schuylkill Valley El Sch (math 35% / reading 57%, grade D-, #797 of 1,518 statewide, top 53%, 746 students, 33% FRL); Schuylkill Valley Ms (math 26% / reading 55%, grade F, #248 of 512 statewide, top 50%, 673 students, 31% FRL); Schuylkill Valley Hs (math 67%, 666 students, 26% FRL).
• Market conditions: 39 active listings in the ZIP; 258 units permitted in Berks County in 2024 (27 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Berks County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($53k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: HOA is 56% of rent.

Recommended offer $51,561 (6.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
3. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 2.40% ✓
• Cap rate: 5.88%
• Cash-on-cash: -1.48%
• DSCR: 0.93
• GRM: 3.5

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: -17.7%
• Equity multiple: 0.37×
• Total profit: $-9,662
• Equity at exit: $8,186

10-year hold

• IRR: -8.2%
• Equity multiple: 0.47×
• Total profit: $-8,184
• Equity at exit: $4,747

Cash invested: $15,372 (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.

Methodology + full state rankings →

ZIP-level market 19533

• Home prices YoY: -15.6%
• Active inventory: 39
• Price-to-rent: 3.5×

Monthly cashflow live

• Estimated rent: $1,318 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$14 /mo · $168/yr
• Insurance: −$23
• HOA: −$735
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $-19

Break-even live

Break-even rent $1,342

Max offer price $51,561

Occupancy floor 96%

Sensitivity live

Price	-10% $12	-5% $-3	+0% $-19	+5% $-34	+10% $-50
Rent	-10% $-123	-5% $-71	+0% $-19	+5% $33	+10% $85
Rate	-1.0pp $9	-0.5pp $-5	base $-19	+0.5pp $-33	+1.0pp $-48

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: $13,725
• Closing costs: $1,647
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $735 · $8,820/yr
• Likely covers: watersewerlandscapingsnow removal

Listing history 8 events

1. 2026-06-02
   days on market $54,900 Active 55 DOM
2. 2026-06-01
   days on market $54,900 Active 54 DOM
3. 2026-05-31
   days on market $54,900 Active 53 DOM
4. 2026-05-30
   days on market $54,900 Active 52 DOM
5. 2026-05-08
   price $54,900 2331-char remark

   Show marketing remark (2331 chars)

   Tucked away in a peaceful, wooded setting, this beautifully maintained 2-bedroom, 1-bath home offers the perfect blend of comfort and functionality. A finished bonus third room, located just off the side of the home, provides flexible space ideal for a mudroom, laundry area, workshop, or additional storage -- adding just the right amount room to compliment this peaceful home. Step inside to find a bright, open living room that feels both spacious and inviting--ideal for relaxing or entertaining. The thoughtfully designed U-shaped kitchen offers excellent functionality and flow, giving you plenty of space to cook, prep, and enjoy everyday living. Beyond the main living areas, this home truly stands out with its bonus spaces--a dedicated laundry room, mudroom, or tool room--offering flexibility to fit your lifestyle. Whether you need extra storage, a hobby space, or a workshop, the possibilities here are wide open. The primary bedroom is offers a comfortable and spacious retreat, while the second bedroom is perfectly suited for a child's room, playroom or study space--especially ideal for those looking to be part of the highly regarded Schuylkill Valley School District. The home has been well cared for and maintained with pride, offering a clean and inviting space to build on. While it may benefit from some minor updates and finishing touches, it presents a wonderful opportunity to add your own style and value over time. Outside, enjoy your own private fenced-in yard--perfect for pets, play, or simply relaxing in your own peaceful outdoor space. Set in a beautiful wooded setting, this home offers a rare sense of privacy while still being just minutes from major routes including 422, 61, and 183--making commuting and everyday errands incredibly convenient without sacrificing that tucked-away, nature-filled feel. Additional highlights include: - Washer/dryer combo unit included (brand new, space saving and efficient) - Lot rent covers water, sewer, and snow removal - Community allows hardscaping and landscaping--customize your outdoor space to your vision This is an incredible opportunity to own a spacious, well-kept home in a beautiful setting at an unbeatable price. Homes like this--with space, privacy, and flexibility--are rare at this value. Schedule your showing today--this one won't last.

6. 2026-04-18
   price $58,500 2331-char remark

   Show marketing remark (2331 chars)

   Tucked away in a peaceful, wooded setting, this beautifully maintained 2-bedroom, 1-bath home offers the perfect blend of comfort and functionality. A finished bonus third room, located just off the side of the home, provides flexible space ideal for a mudroom, laundry area, workshop, or additional storage -- adding just the right amount room to compliment this peaceful home. Step inside to find a bright, open living room that feels both spacious and inviting--ideal for relaxing or entertaining. The thoughtfully designed U-shaped kitchen offers excellent functionality and flow, giving you plenty of space to cook, prep, and enjoy everyday living. Beyond the main living areas, this home truly stands out with its bonus spaces--a dedicated laundry room, mudroom, or tool room--offering flexibility to fit your lifestyle. Whether you need extra storage, a hobby space, or a workshop, the possibilities here are wide open. The primary bedroom is offers a comfortable and spacious retreat, while the second bedroom is perfectly suited for a child's room, playroom or study space--especially ideal for those looking to be part of the highly regarded Schuylkill Valley School District. The home has been well cared for and maintained with pride, offering a clean and inviting space to build on. While it may benefit from some minor updates and finishing touches, it presents a wonderful opportunity to add your own style and value over time. Outside, enjoy your own private fenced-in yard--perfect for pets, play, or simply relaxing in your own peaceful outdoor space. Set in a beautiful wooded setting, this home offers a rare sense of privacy while still being just minutes from major routes including 422, 61, and 183--making commuting and everyday errands incredibly convenient without sacrificing that tucked-away, nature-filled feel. Additional highlights include: - Washer/dryer combo unit included (brand new, space saving and efficient) - Lot rent covers water, sewer, and snow removal - Community allows hardscaping and landscaping--customize your outdoor space to your vision This is an incredible opportunity to own a spacious, well-kept home in a beautiful setting at an unbeatable price. Homes like this--with space, privacy, and flexibility--are rare at this value. Schedule your showing today--this one won't last.

7. 2026-04-09
   listed $64,900 Active 2331-char remark

   Show marketing remark (2331 chars)

   Tucked away in a peaceful, wooded setting, this beautifully maintained 2-bedroom, 1-bath home offers the perfect blend of comfort and functionality. A finished bonus third room, located just off the side of the home, provides flexible space ideal for a mudroom, laundry area, workshop, or additional storage -- adding just the right amount room to compliment this peaceful home. Step inside to find a bright, open living room that feels both spacious and inviting--ideal for relaxing or entertaining. The thoughtfully designed U-shaped kitchen offers excellent functionality and flow, giving you plenty of space to cook, prep, and enjoy everyday living. Beyond the main living areas, this home truly stands out with its bonus spaces--a dedicated laundry room, mudroom, or tool room--offering flexibility to fit your lifestyle. Whether you need extra storage, a hobby space, or a workshop, the possibilities here are wide open. The primary bedroom is offers a comfortable and spacious retreat, while the second bedroom is perfectly suited for a child's room, playroom or study space--especially ideal for those looking to be part of the highly regarded Schuylkill Valley School District. The home has been well cared for and maintained with pride, offering a clean and inviting space to build on. While it may benefit from some minor updates and finishing touches, it presents a wonderful opportunity to add your own style and value over time. Outside, enjoy your own private fenced-in yard--perfect for pets, play, or simply relaxing in your own peaceful outdoor space. Set in a beautiful wooded setting, this home offers a rare sense of privacy while still being just minutes from major routes including 422, 61, and 183--making commuting and everyday errands incredibly convenient without sacrificing that tucked-away, nature-filled feel. Additional highlights include: - Washer/dryer combo unit included (brand new, space saving and efficient) - Lot rent covers water, sewer, and snow removal - Community allows hardscaping and landscaping--customize your outdoor space to your vision This is an incredible opportunity to own a spacious, well-kept home in a beautiful setting at an unbeatable price. Homes like this--with space, privacy, and flexibility--are rare at this value. Schedule your showing today--this one won't last.

8. 2026-04-02
   historical $64,900 2331-char remark

   Show marketing remark (2331 chars)

   Tucked away in a peaceful, wooded setting, this beautifully maintained 2-bedroom, 1-bath home offers the perfect blend of comfort and functionality. A finished bonus third room, located just off the side of the home, provides flexible space ideal for a mudroom, laundry area, workshop, or additional storage -- adding just the right amount room to compliment this peaceful home. Step inside to find a bright, open living room that feels both spacious and inviting--ideal for relaxing or entertaining. The thoughtfully designed U-shaped kitchen offers excellent functionality and flow, giving you plenty of space to cook, prep, and enjoy everyday living. Beyond the main living areas, this home truly stands out with its bonus spaces--a dedicated laundry room, mudroom, or tool room--offering flexibility to fit your lifestyle. Whether you need extra storage, a hobby space, or a workshop, the possibilities here are wide open. The primary bedroom is offers a comfortable and spacious retreat, while the second bedroom is perfectly suited for a child's room, playroom or study space--especially ideal for those looking to be part of the highly regarded Schuylkill Valley School District. The home has been well cared for and maintained with pride, offering a clean and inviting space to build on. While it may benefit from some minor updates and finishing touches, it presents a wonderful opportunity to add your own style and value over time. Outside, enjoy your own private fenced-in yard--perfect for pets, play, or simply relaxing in your own peaceful outdoor space. Set in a beautiful wooded setting, this home offers a rare sense of privacy while still being just minutes from major routes including 422, 61, and 183--making commuting and everyday errands incredibly convenient without sacrificing that tucked-away, nature-filled feel. Additional highlights include: - Washer/dryer combo unit included (brand new, space saving and efficient) - Lot rent covers water, sewer, and snow removal - Community allows hardscaping and landscaping--customize your outdoor space to your vision This is an incredible opportunity to own a spacious, well-kept home in a beautiful setting at an unbeatable price. Homes like this--with space, privacy, and flexibility--are rare at this value. Schedule your showing today--this one won't last.

ⓘ 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: $168 · $14/mo
• Projected year-2 tax: $518 · $43/mo
• Expected delta: +$350/yr (+$29/mo · 207.5%)

ⓘ 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 14 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,811
• − Mortgage interest: −$3,075
• − Property taxes: −$168
• − Insurance: −$274
• − Repairs & maintenance: −$1,265
• − Management: −$1,265
• − HOA: −$8,820
• − Depreciation: −$1,597
• Taxable loss: −$654
• Est. tax savings @ 24.0%: +$157
• After-tax cash flow: $-70/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: Schuylkill Valley SD
• NCES district ID: 4220970
• Math proficiency: 35% ▼ -16.00%
• Reading proficiency: 55% ▼ -14.00%
• Median HH income: $66,301
• Composite: 40.12/100
• National rank: #3801
• State rank: #240 of 539 in PA

Livability — Centre

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

Census & demographics

• Population (ZIP): 8,823

Population outlook (Berks County) Hauer SSP2

• Today (2025): 425,767 people
• By 2030: 428,814 · +0.7%
• By 2040: 433,463 · +1.8%
• By 2050: 439,426 · +3.2%
• By 2075: 478,647 · +12.4%
• By 2100: 518,507 · +21.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Hispanic / Latino 6% Two or more races 4% Black 2% Native American 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 6% Iranian 4% Serbian 3%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 94% English-only · Spanish 3% German/W. Germanic 1%

Political lean MEDSL · Berks

• 2024 margin: R (+12.2) · D 43.4% · R 55.6%
• 2008→2024 swing: -21.4pp toward R · 2008: 9.2pp · 2024: -12.2pp
• All cycles: 2024: R+12.2 2020: R+8.2 2016: R+10.2 2012: R+0.6 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.55%
• Current HPI: 279.0823
• 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

-15.4% since first listed

4 events — show timeline

• 2026-05-08 Price Changed $54,900 BRIGHT MLS
• 2026-04-18 Price Changed $58,500 BRIGHT MLS
• 2026-04-09 Listed $64,900 BRIGHT MLS
• 2026-04-02 Coming Soon $64,900 BRIGHT MLS

Property tax history

+1.0%/yr

Latest (2026): $168 · +0.1% YoY. Source: county tax records.