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944 Canfield Rd
B- Composite 65.64
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 +25.9/30.0
  • ARV discount +15.0/15.0
  • DSCR +8.7/10.0
  • 1% rule +6.1/10.0
  • Livability +4.0/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +0.9/10.0
  • Appreciation +0.0/10.0

$154,900

944 Canfield Rd · Youngstown, OH 44511
4 bd · 1.5 ba · 1,932 sqft · SingleFamily public records · 53 Days on market
Built 1940 7,492 sqft lot Est $197k · 21% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

Key facts

  • Fenced yard
  • Double back porch
  • Lanterman's mill

Tags

MILL CREEK PARKLANTERMAN'S MILLDOUBLE BACK PORCHFENCED YARDDETACHED GARAGE

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.5-bath single-family listed at $155k.

Deal economics

  • At list price, monthly cash flow is $380 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $155k).
  • Recommended offer: $150k (3.0% below list) — sets the bar for market timing.
  • Cap rate 9.2% 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.
  • Youngstown City (urban): math 8% / reading 17% proficiency, ranked #649 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 73 active listings in the ZIP; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
  • This rent runs 36% of the median local income ($57k/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.
  • Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

  • It's been on market 53 days — a 3% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
  • 9 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 $62k; list at $155k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $150,253 (3.0% below list)

Questions for the listing agent

  1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  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
1.11%
Cap rate
9.24%
Cash-on-cash
10.52%
DSCR
1.47
GRM
7.5

CMA / ARV

ARV (on-the-fly)
$197,064
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
435 E Parkcliffe Ave 0.68mi 5/2.0 (+1) 1,970 (+2%) 2mo $54,500 $28 56
4052 Lockwood Blvd 0.67mi 3/1.5 (-1) 1,861 (-4%) 2mo $276,000 $148 56
4004 Riverside Dr 0.53mi 4/3.0 1,954 (+1%) 15mo $261,000 $134 55
734 W Laclede Ave 0.50mi 4/1.0 1,780 (-8%) 13mo $104,000 $58 51
512 Ferndale Ave 0.59mi 3/1.0 (-1) 1,859 (-4%) 11mo $108,000 $58 50
4021 Riverside Dr 0.58mi 4/3.0 1,812 (-6%) 9mo $180,000 $99 49
2425 Inglenook Pl 0.45mi 3/2.5 (-1) 1,788 (-8%) 11mo $180,000 $101 49
3206 Hermosa Dr 0.60mi 3/2.0 (-1) 1,742 (-10%) 6mo $245,000 $141 44
741 Sherwood Ave 0.43mi 4/2.0 1,646 (-15%) 12mo $129,000 $78 43
3911 Arden Blvd 0.54mi 3/2.5 (-1) 1,678 (-13%) 2mo $214,800 $128 42
735 Linwood Ave 0.73mi 4/2.0 1,796 (-7%) 12mo $184,000 $102 42
2243 Coleman Dr 0.71mi 4/2.0 1,684 (-13%) 6mo $176,500 $105 38

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
-0.6%
Equity multiple
0.98×
Total profit
$-925
Equity at exit
$23,096
10-year hold
IRR
9.1%
Equity multiple
1.70×
Total profit
$30,239
Equity at exit
$13,393

Cash invested: $43,372 (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.

ZIP-level market 44511

Home prices YoY
-12.6%
Active inventory
73
Price-to-rent
7.5×

Monthly cashflow live

Estimated rent
$1,719 medium interval (Pro) →
Mortgage (P&I)
$812
Tax from tax record
$101 /mo · $1,212/yr
Insurance
$65
HOA
$0
Vacancy / Maint / Mgmt
$361
Net cashflow
$380

Break-even live

Break-even rent $1,238
Max offer price $154,900
Occupancy floor 73%

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
$38,725
Closing costs
$4,647
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 36 events

  1. 2026-06-13
    status $154,900 Pending 53 DOM
  2. 2026-06-10
    days on market $154,900 Contingent 53 DOM
  3. 2026-06-09
    days on market $154,900 Contingent 52 DOM
  4. 2026-06-08
    days on market $154,900 Contingent 51 DOM
  5. 2026-06-07
    days on market $154,900 Contingent 50 DOM
  6. 2026-06-03
    days on market $154,900 Contingent 46 DOM
  7. 2026-06-02
    days on market $154,900 Contingent 45 DOM
  8. 2026-06-01
    days on market $154,900 Contingent 44 DOM
  9. 2026-05-31
    days on market $154,900 Contingent 43 DOM
  10. 2026-05-30
    days on market $154,900 Contingent 42 DOM
  11. 2026-05-23
    historical Contingent
  12. 2026-05-21
    price $154,900
  13. 2026-05-04
    status Active
  14. 2026-04-20
    historical Contingent
  15. 2026-04-18
    listed $159,900 Active
  16. 2019-09-09
    historical
  17. 2019-08-26
    status Active
  18. 2019-08-22
    historical Contingent
  19. 2019-08-14
    price $96,900
  20. 2019-08-02
    listed $104,900 Active
  21. 2017-08-18
    soldstatus $62,000 Sold 991-char remark
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  22. 2017-08-18
    soldstatus $62,000
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  23. 2017-07-31
    status Pending 991-char remark
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  24. 2017-07-06
    status Active 991-char remark
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  25. 2017-06-17
    status Pending 991-char remark
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  26. 2017-06-08
    listed $69,900 Active 991-char remark
    Show marketing remark (991 chars)

    Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra

  27. 2015-03-13
    historical
  28. 2015-03-04
    listed $60,000 Active
  29. 2015-02-27
    soldstatus $57,000 Sold
  30. 2014-08-18
    soldstatus $12,500
  31. 2014-06-02
    historical
  32. 2014-04-03
    listed $14,900
  33. 2014-03-17
    historical
  34. 2013-12-17
    listed $29,900
  35. 2006-09-14
    soldstatus $69,000
  36. 1991-05-13
    soldstatus $25,500

ⓘ 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
$1,212 · $101/mo
Projected year-2 tax
$1,814 · $151/mo
Expected delta
+$602/yr (+$50/mo · 49.7%)

ⓘ 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 ≥96°F today · 17 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,627
− Mortgage interest
−$8,677
− Property taxes
−$1,212
− Insurance
−$774
− Repairs & maintenance
−$1,650
− Management
−$1,650
− Depreciation
−$4,506
Taxable income
$2,157
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$518
After-tax cash flow
$4,043/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
Youngstown City
NCES district ID
3904516
Math proficiency
8% ▼ -15.00%
Reading proficiency
17% ▼ -10.00%
Median HH income
$25,257
Composite
9.29/100
National rank
#9858
State rank
#649 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

Census place
Youngstown, OH
County
Mahoning County · 84,956 people
City population
28,503
Metro
Youngstown-Warren-Boardman, OH-PA
Population (ZIP)
18,909
Household income
$56,880
Rent vs Own
21.4% rent · 78.6% own
Severe rent burden
336.0

Population outlook (Mahoning County) Hauer SSP2

Today (2025)
223,932 people
By 2030
218,387 · -2.5%
By 2040
205,367 · -8.3%
By 2050
193,606 · -13.5%
By 2075
173,694 · -22.4%
By 2100
151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (64%)
Race & ethnicity
White 64% Black 23% Hispanic / Latino 8% Two or more races 7% Native American 1%
Hispanic origin (detail)
Mexican 2% Puerto Rican 4%
Common ancestry
Romanian 5% Lithuanian 1% Slovak 1%
Foreign-born
1% · Canada
Languages at home
96% English-only · Spanish 3%

Political lean MEDSL · Mahoning

2024 margin
Lean R (+9.4) · D 44.9% · R 54.4%
2008→2024 swing
-36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
All cycles
2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -40.81%
Current HPI
283.9088
Rent YoY
Metro
Youngstown-Warren-Boardman, OH-PA
State GDP YoY
▲ 1.98%
F500 in state
48

Industry mix (Fortune 500 HQ in OH)

Industry F500 HQs Revenue

Price history

+507.5% since first listed
26 events — show timeline
  • 2026-05-23 Contingent MLSNOW
  • 2026-05-21 Price Changed $154,900 MLSNOW
  • 2026-05-04 Relisted MLSNOW
  • 2026-04-20 Contingent MLSNOW
  • 2026-04-18 Listed $159,900 MLSNOW
  • 2019-09-09 Listing Removed MLSNOW
  • 2019-08-26 Relisted MLSNOW
  • 2019-08-22 Contingent MLSNOW
  • 2019-08-14 Price Changed $96,900 MLSNOW
  • 2019-08-02 Listed $104,900 MLSNOW
  • 2017-08-18 Sold (Public Records) $62,000 Public Records
  • 2017-08-18 Sold (MLS) $62,000 MLSNOW
  • 2017-07-31 Pending MLSNOW
  • 2017-07-06 Relisted MLSNOW
  • 2017-06-17 Pending MLSNOW
  • 2017-06-08 Listed $69,900 MLSNOW
  • 2015-03-13 Listing Removed MLSNOW
  • 2015-03-04 Listed $60,000 MLSNOW
  • 2015-02-27 Sold (MLS) $57,000 MLSNOW
  • 2014-08-18 Sold (MLS) $12,500 MLSNOW
  • 2014-06-02 Listing Removed MLSNOW
  • 2014-04-03 Listed $14,900 MLSNOW
  • 2014-03-17 Listing Removed MLSNOW
  • 2013-12-17 Listed $29,900 MLSNOW
  • 2006-09-14 Sold (Public Records) $69,000 Public Records
  • 1991-05-13 Sold (Public Records) $25,500 Public Records

Property tax history

+3.4%/yr

Latest (2025): $1,212 · -11.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…