145 Gold Ln · Jackson, PA 18360

$85,000

2 bd · 1.0 ba · 840 sqft · Manufactured public records · 174 Days on market

Built 1987 $36/mo HOA · 2% of rent

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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
• Schools +4.0/10.0
• 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

Inviting and cost-effective home is located in a peaceful 55+ community. It features two bedrooms and has been meticulously maintained. The location is central, placing you near shopping, hospitals, highways, and all major Pocono attractions. The lot rent is only $650 a month and includes water, sewer and lawn care, making it an excellent option for those seeking convenient and affordable living. Call today to schedule your appointment!

Key facts

• Near hospitals
• Near shopping
• Central location

Tags

• CENTRAL LOCATION
• NEAR SHOPPING
• NEAR HOSPITALS
• NEAR HIGHWAYS
• NEAR MAJOR POCONO ATTRACTIONS

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $85k.

Deal economics

• At list price, monthly cash flow is $589 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $85k).
• Recommended offer: $75k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 189 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Monroe County population projected at -11% 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 $24k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 174 days — a 12% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y ago; this cycle's ask has dropped $34k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $18k; list at $85k implies a 372% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $74,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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.
7. 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.
8. 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: 1.90% ✓
• Cap rate: 15.54%
• Cash-on-cash: 33.04%
• DSCR: 2.47
• GRM: 4.4

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: 24.3%
• Equity multiple: 2.00×
• Total profit: $23,815
• Equity at exit: $12,674

10-year hold

• IRR: 32.1%
• Equity multiple: 3.92×
• Total profit: $69,382
• Equity at exit: $7,349

Cash invested: $23,800 (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 18360

• Active inventory: 189
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,619 medium
• Mortgage (P&I): −$446
• Tax est. 1.5%: −$106 /mo · $1,275/yr
• Insurance: −$35
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$36
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $589

Break-even live

Break-even rent $873

Max offer price $85,000

Occupancy floor 59%

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $36 · $432/yr
• Likely covers: watersewerlandscaping

Listing history 18 events

1. 2026-06-18
   days on market $85,000 Active 174 DOM
2. 2026-06-17
   days on market $85,000 Active 173 DOM
3. 2026-06-16
   days on market $85,000 Active 172 DOM
4. 2026-06-15
   days on market $85,000 Active 171 DOM
5. 2026-06-14
   days on market $85,000 Active 169 DOM
6. 2026-06-13
   days on market $85,000 Active 168 DOM
7. 2026-06-10
   days on market $85,000 Active 166 DOM
8. 2026-06-08
   days on market $85,000 Active 164 DOM
9. 2026-06-07
   days on market $85,000 Active 163 DOM
10. 2026-06-02
    days on market $85,000 Active 158 DOM
11. 2026-06-01
    days on market $85,000 Active 157 DOM
12. 2026-05-31
    days on market $85,000 Active 156 DOM
13. 2026-05-30
    days on market $85,000 Active 155 DOM
14. 2026-05-01
    price $99,000 440-char remark

    Show marketing remark (440 chars)

    Inviting and cost-effective home is located in a peaceful 55+ community. It features two bedrooms and has been meticulously maintained. The location is central, placing you near shopping, hospitals, highways, and all major Pocono attractions. The lot rent is only $650 a month and includes water, sewer and lawn care, making it an excellent option for those seeking convenient and affordable living. Call today to schedule your appointment!

15. 2026-02-23
    price $109,000 440-char remark

    Show marketing remark (440 chars)

    Inviting and cost-effective home is located in a peaceful 55+ community. It features two bedrooms and has been meticulously maintained. The location is central, placing you near shopping, hospitals, highways, and all major Pocono attractions. The lot rent is only $650 a month and includes water, sewer and lawn care, making it an excellent option for those seeking convenient and affordable living. Call today to schedule your appointment!

16. 2025-12-26
    listed $119,000 Active 440-char remark

    Show marketing remark (440 chars)

    Inviting and cost-effective home is located in a peaceful 55+ community. It features two bedrooms and has been meticulously maintained. The location is central, placing you near shopping, hospitals, highways, and all major Pocono attractions. The lot rent is only $650 a month and includes water, sewer and lawn care, making it an excellent option for those seeking convenient and affordable living. Call today to schedule your appointment!

17. 2018-10-19
    soldstatus $18,000 319-char remark

    Show marketing remark (319 chars)

    ACCEPTED OFFER. GREAT PRICE FOR THIS WELL KEPT MOBILE IN JACKSON TOWNSHIP! LOT RENT IS $325/MONTH AND INCLUDES, WATER/SEWER/PLOWING. NICE SIZED ROOMS. OVER 55 PLEASE! ROOF IS APPROX. 5 YEARS OLD. HAS NEW FURNACE, NEW REAR DOOR, NEW FRONT WINDOW AND NICE STURDY RAMP. REALLY A GREAT LOCATION AND A VERY PEACEFUL SETTING!

18. 2018-10-01
    listed $18,000 319-char remark

    Show marketing remark (319 chars)

    ACCEPTED OFFER. GREAT PRICE FOR THIS WELL KEPT MOBILE IN JACKSON TOWNSHIP! LOT RENT IS $325/MONTH AND INCLUDES, WATER/SEWER/PLOWING. NICE SIZED ROOMS. OVER 55 PLEASE! ROOF IS APPROX. 5 YEARS OLD. HAS NEW FURNACE, NEW REAR DOOR, NEW FRONT WINDOW AND NICE STURDY RAMP. REALLY A GREAT LOCATION AND A VERY PEACEFUL SETTING!

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,423
• − Mortgage interest: −$4,761
• − Property taxes: −$1,275
• − Insurance: −$1,222
• − Repairs & maintenance: −$1,554
• − Management: −$1,554
• − HOA: −$432
• − Depreciation: −$2,473
• Taxable income: $6,152
• Est. tax owed @ 24.0%: −$1,476
• After-tax cash flow: $5,589/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: Pocono Mountain SD
• NCES district ID: 4219500
• Math proficiency: 37% ▼ -5.00%
• Reading proficiency: 55% ▲ 1.00%
• Median HH income: $55,317
• Composite: 39.91/100
• National rank: #3856
• State rank: #245 of 539 in PA

Livability — Jackson

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

Census & demographics

• County: Monroe County · 59,057 people
• Metro: East Stroudsburg, PA
• Population (ZIP): 30,080
• Household income: $71,481
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 1020.0

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 164,099 people
• By 2030: 161,412 · -1.6%
• By 2040: 154,616 · -5.8%
• By 2050: 146,710 · -10.6%
• By 2075: 140,830 · -14.2%
• By 2100: 138,472 · -15.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Hispanic / Latino 17% Two or more races 8% Black 8% Asian 2%
• Hispanic origin (detail): Puerto Rican 10% Dominican 1%
• Common ancestry: Romanian 6% Polish 2% Lithuanian 2%
• Foreign-born: 11% · Canada, South Korea, China
• Languages at home: 85% English-only · Spanish 8% Russian/Polish/Slavic 2% Other Indo-European 2%

Political lean MEDSL · Monroe

• 2024 margin: Toss-up / Even · D 49.1% · R 49.9%
• 2008→2024 swing: -17.1pp toward R · 2008: 16.3pp · 2024: -0.8pp
• All cycles: 2024: R+0.8 2020: D+6.4 2016: D+0.3 2012: D+14.0 2008: D+16.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -124.01%
• Current HPI: 152.4388
• Rent YoY: —
• Metro: East Stroudsburg, PA
• 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

+450.0% since first listed

5 events — show timeline

• 2026-05-01 Price Changed $99,000 PMAR
• 2026-02-23 Price Changed $109,000 PMAR
• 2025-12-26 Listed $119,000 PMAR
• 2018-10-19 Sold (MLS) $18,000 PMAR
• 2018-10-01 Listed $18,000 PMAR

Property tax history

-13.1%/yr

Latest (2026): $147 · +3.4% YoY. Source: county tax records.