543 New York St · Dunmore, PA 18509

$169,000

3 bd · 1.5 ba · 1,006 sqft · SingleFamily · 95 Days on market

Built 1930 4,792 sqft lot $168/sqft · 7% below area Est $183k · 7% under

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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 +11.3/30.0
• ARV discount +10.9/15.0
• Rent growth +4.3/5.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• 1% rule +3.3/10.0
• DSCR +3.3/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great Investment Opportunity in Dunmore already producing rental income. Tenant Occupied until January 2027.This well-maintained 3-bedroom, 1.5-bath home offers strong investment potential and is already TENANT OCCUPIED with a LEASE for immediate rental income. Situated on a corner lot in a nice neighborhood, the property is within walking distance to local restaurants and just a short drive to downtown Dunmore and Scranton, offering both convenience and accessibility. The home features new flooring throughout and is handicap accessible, providing added functionality and appeal. There is approximately 500 sq ft of walk-up attic space which is ideal for storage or potential future finishing. A full unfinished basement offers additional storage and utility space as well as a 1 car garage and off street parking. Whether you're expanding your portfolio or looking for a solid income-producing property in a sought-after location, this one checks all the boxes.

Key facts

• Tenant occupied
• New flooring
• Walk up attic space

Tags

• INVESTMENT OPPORTUNITY
• TENANT OCCUPIED
• CORNER LOT
• SHORT DRIVE TO DOWNTOWN
• NEW FLOORING
• WALK UP ATTIC SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $169k.

Deal economics

• At list price, monthly cash flow is $-63 ($-758/yr) — negative.
• To cash-flow at today's rent, offer at most $160k (5.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $140k (17.3% below list).
• Recommended offer: $140k (17.3% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.4% in Dunmore — 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 73/100 on livability (#558 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: amenities F, commute F, health & safety F.
• Dunmore SD (suburban): math 30% / reading 54% proficiency, ranked #324 of 539 in PA (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+7.1%/yr); 10 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($51k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $115k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $139,844 (17.3% 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 95 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Schools are B-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?
7. 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?
8. 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.
9. 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.
10. 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: 0.83% ✗
• Cap rate: 5.84%
• Cash-on-cash: -1.60%
• DSCR: 0.93
• GRM: 10.1

CMA / ARV

• ARV (median comp): $182,696
• List price: $169,000
• Delta: -7.50%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1605 Green Ridge St	0.34mi	3/1.0	1,008 (+0%)	4mo	$240,000	$238	79
2001 Rigg St	0.59mi	2/1.0 (-1)	1,080 (+7%)	1mo	$225,000	$208	53
2025 Delaware St	0.68mi	3/2.0	1,076 (+7%)	2mo	$260,000	$242	53
2009 Rigg St	0.62mi	2/1.5 (-1)	1,005 (-0%)	23mo	$230,000	$229	47
1742 Monroe Ave	0.55mi	3/1.0	1,100 (+9%)	20mo	$178,500	$162	40

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 · 7.12% rent growth · sell at horizon

5-year hold

• IRR: -14.4%
• Equity multiple: 0.46×
• Total profit: $-25,349
• Equity at exit: $25,198

10-year hold

• IRR: -0.1%
• Equity multiple: 1.00×
• Total profit: $-194
• Equity at exit: $14,612

Cash invested: $47,320 (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 18509

• Home prices YoY: -33.5%
• Rents YoY: 7.1%
• Active inventory: 10
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,398 high
• Mortgage (P&I): −$886
• Tax est. 1.5%: −$211 /mo · $2,535/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $-63

Break-even live

Break-even rent $1,478

Max offer price $159,862

Occupancy floor 100%

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
621 New York St Dunmore, PA	4.0	1.0	1500	$1,350	$0.90	21d	1	0.07mi
1313 Madison Ave Dunmore, PA	2.0	1.0	780	$1,575	$2.02	14d	1	0.19mi
1115 Monroe Ave Unit 2nd floor Dunmore, PA	2.0	1.0	823	$1,000	$1.22	21d	1	0.40mi
1807 Green Ridge St Dunmore, PA	2.0	1.0	1000	$1,050	$1.05	21d	1	0.45mi
1725 Ryerson Ave Unit 1 Scranton, PA	2.0	1.0	775	$1,250	$1.61	14d	1	0.49mi
1112 Ridge Ave #1114 Scranton, PA	3.0	1.0	1000	$1,350	$1.35	44d	1	0.76mi
615 3rd St Unit 4 Dunmore, PA	2.0	1.0	801	$1,050	$1.31	21d	1	0.76mi
516 4th St Dunmore, PA	3.0	1.0	1160	$1,375	$1.19	44d	1	0.80mi
200 Chestnut St Dunmore, PA	3.0	1.0	1300	$1,600	$1.23	14d	1	0.86mi
945 Woodlawn St Scranton, PA	3.0	1.0	1500	$1,450	$0.97	21d	1	0.89mi
132 S Apple St Unit 2 Dunmore, PA	2.0	1.0	750	$1,100	$1.47	21d	1	0.92mi
1044 John Ave Scranton, PA	3.0	1.0	976	$1,500	$1.54	21d	1	0.98mi
607 Mill St Apt 2 Dunmore, PA	2.0	1.0	900	$1,200	$1.33	14d	1	0.99mi
122 Willow St Dunmore, PA	2.0	1.0	900	$1,150	$1.28	44d	1	1.02mi
130 Willow St Dunmore, PA	2.0	1.0	1050	$1,050	$1.00	14d	1	1.03mi
715 Mill St Dunmore, PA	2.0	1.0	900	$1,250	$1.39	44d	1	1.08mi
717 Mill St Dunmore, PA	3.0	1.0	975	$1,200	$1.23	44d	1	1.08mi
113 Frank St #6 Dunmore, PA	2.0	1.0	800	$1,050	$1.31	44d	1	1.11mi
1116 Fairfield St Scranton, PA	3.0	1.0	1100	$1,700	$1.55	21d	1	1.14mi
410 Boyle St Dunmore, PA	2.0	1.0	1000	$1,450	$1.45	21d	1	1.16mi
427 Smith St Unit 2R Dunmore, PA	2.0	1.0	850	$1,150	$1.35	44d	1	1.21mi
205 Battin St Unit 205 Dunmore, PA	2.0	1.0	788	$1,000	$1.27	21d	1	1.22mi
800 James Ave Scranton, PA	2.0	1.0–2.0	845	$1,826	$2.16	14d	7	1.28mi
140 Sand St Scranton, PA	2.0	1.0	964	$1,500	$1.56	14d	1	1.45mi

Listing history 7 events

1. 2026-06-07
   statusdays on market $169,000 Pending 95 DOM
2. 2026-06-02
   days on market $169,000 Active 93 DOM
3. 2026-06-01
   days on market $169,000 Active 92 DOM
4. 2026-05-31
   days on market $169,000 Active 91 DOM
5. 2026-05-30
   days on market $169,000 Active 90 DOM
6. 2026-03-01
   listed $169,000 Active 968-char remark

   Show marketing remark (968 chars)

   Great Investment Opportunity in Dunmore already producing rental income. Tenant Occupied until January 2027.This well-maintained 3-bedroom, 1.5-bath home offers strong investment potential and is already TENANT OCCUPIED with a LEASE for immediate rental income. Situated on a corner lot in a nice neighborhood, the property is within walking distance to local restaurants and just a short drive to downtown Dunmore and Scranton, offering both convenience and accessibility. The home features new flooring throughout and is handicap accessible, providing added functionality and appeal. There is approximately 500 sq ft of walk-up attic space which is ideal for storage or potential future finishing. A full unfinished basement offers additional storage and utility space as well as a 1 car garage and off street parking. Whether you're expanding your portfolio or looking for a solid income-producing property in a sought-after location, this one checks all the boxes.

7. 2020-10-28
   soldstatus $115,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% 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: $16,781
• − Mortgage interest: −$9,467
• − Property taxes: −$2,535
• − Insurance: −$845
• − Repairs & maintenance: −$1,343
• − Management: −$1,343
• − Depreciation: −$4,916
• Taxable loss: −$3,667
• Est. tax savings @ 24.0%: +$880
• After-tax cash flow: $122/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: Dunmore SD
• NCES district ID: 4207980
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 54% ▼ -13.00%
• Median HH income: $48,540
• Composite: 35.92/100
• National rank: #4806
• State rank: #324 of 539 in PA

Livability — Dunmore

• Score: 73/100
• State rank: #558
• US rank: #5204

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dunmore, PA
• County: Lackawanna County · 134,448 people
• City population: 12,714
• Metro: Scranton--Wilkes-Barre, PA
• Population (ZIP): 13,055
• Household income: $51,062
• Rent vs Own: 51.4% rent · 48.6% own
• Severe rent burden: 715.0

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 10% Black 8% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Romanian 10% Scotch-Irish 2% Subsaharan African 1%
• Foreign-born: 7% · Canada, China
• Languages at home: 89% English-only · Spanish 7% Russian/Polish/Slavic 1% Chinese 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -106.59%
• Current HPI: 211.5558
• Rent YoY: ▲ 7.12%
• Metro: Scranton--Wilkes-Barre, 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

+47.0% since first listed

2 events — show timeline

• 2026-03-01 Listed $169,000 PWMLS
• 2020-10-28 Sold (Public Records) $115,000 Public Records

Property tax history

+36.8%/yr

Latest (2026): $63,961 · +2216.3% YoY. Source: county tax records.