1054 Springbrook Ave #41 · Moosic, PA 18507

$12,900

2 bd · 1.0 ba · 470 sqft · Manufactured · 66 Days on market

Manufactured home Built 1970 435 sqft lot

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for an affordable way into homeownership? Look no further! This mobile home is located in the desirable area of Moosic. This property requires some TLC and is being sold as is. The park owners are open to seller financing within a one-year timeframe. Get in for a showing as this property is priced to sell!

Key facts

• Built 1970
• Listed 66 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $13k.

Deal economics

• At list price, monthly cash flow is $660 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $13k).
• Recommended offer: $12k (6.0% below list) — sets the bar for market timing.
• Cap rate 73.9% vs local median 2.1% in Moosic — 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 68/100 on livability (#874 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime D+, amenities F, commute F.
• Riverside SD (suburban): math 30% / reading 53% proficiency, ranked #340 of 539 in PA (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Riverside Jshs (math 34% / reading 52%, grade F, #222 of 437 statewide, top 51%, 725 students, 92% FRL) — zoned schools average 92% FRL vs 42% district-wide (51 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 41 active listings in the ZIP; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $89 of loan paydown is wiped out by about $387 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 66 days — a 6% lower offer ($12k) is reasonable based on typical stale-listing flexibility.

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 $12,126 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. Crime grade is D 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?
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: 8.00% ✓
• Cap rate: 73.88%
• Cash-on-cash: 241.38%
• DSCR: 11.74
• GRM: 1.0

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: —
• Equity multiple: 12.08×
• Total profit: $40,007
• Equity at exit: $1,923

10-year hold

• IRR: —
• Equity multiple: 25.70×
• Total profit: $89,201
• Equity at exit: $1,115

Cash invested: $3,612 (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 18507

• Home prices YoY: -10.9%
• Active inventory: 41
• Price-to-rent: 1.0×

Monthly cashflow live

• Estimated rent: $1,033 medium
• Mortgage (P&I): −$68
• Tax est. 1.5%: −$16 /mo · $194/yr
• Insurance: −$5
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$217
• Net cashflow: $660

Break-even live

Break-even rent $197

Max offer price $12,900

Occupancy floor 31%

Sensitivity live

Price	-10% $669	-5% $665	+0% $660	+5% $656	+10% $651
Rent	-10% $579	-5% $619	+0% $660	+5% $701	+10% $742
Rate	-1.0pp $667	-0.5pp $663	base $660	+0.5pp $657	+1.0pp $653

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: $3,225
• Closing costs: $387
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-23
   days on market $12,900 Active 66 DOM
2. 2026-06-21
   days on market $12,900 Active 65 DOM
3. 2026-06-18
   days on market $12,900 Active 62 DOM
4. 2026-06-17
   days on market $12,900 Active 61 DOM
5. 2026-06-16
   days on market $12,900 Active 60 DOM
6. 2026-06-15
   days on market $12,900 Active 59 DOM
7. 2026-06-14
   days on market $12,900 Active 57 DOM
8. 2026-06-13
   days on market $12,900 Active 56 DOM
9. 2026-06-10
   days on market $12,900 Active 54 DOM
10. 2026-06-09
    days on market $12,900 Active 53 DOM
11. 2026-06-08
    days on market $12,900 Active 52 DOM
12. 2026-06-07
    days on market $12,900 Active 51 DOM
13. 2026-06-05
    days on market $12,900 Active 48 DOM
14. 2026-06-03
    days on market $12,900 Active 47 DOM
15. 2026-06-02
    days on market $12,900 Active 46 DOM
16. 2026-06-01
    days on market $12,900 Active 45 DOM
17. 2026-05-31
    days on market $12,900 Active 44 DOM
18. 2026-05-30
    days on market $12,900 Active 43 DOM
19. 2026-04-17
    listed $12,900 Active 315-char remark

    Show marketing remark (315 chars)

    Looking for an affordable way into homeownership? Look no further! This mobile home is located in the desirable area of Moosic. This property requires some TLC and is being sold as is. The park owners are open to seller financing within a one-year timeframe. Get in for a showing as this property is priced to sell!

ⓘ 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 9/10 Extreme FEMA zone X (unshaded) · 97% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,390
• − Mortgage interest: −$723
• − Property taxes: −$194
• − Insurance: −$862
• − Repairs & maintenance: −$991
• − Management: −$991
• − Depreciation: −$375
• Taxable income: $8,254
• Est. tax owed @ 24.0%: −$1,981
• After-tax cash flow: $5,940/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: Riverside SD
• NCES district ID: 4223250
• Math proficiency: 30% ▼ -7.00%
• Reading proficiency: 53% ▼ -7.00%
• Median HH income: $44,118
• Composite: 35.09/100
• National rank: #5022
• State rank: #340 of 539 in PA

Livability — Moosic

• Score: 68/100
• State rank: #874
• US rank: #9233

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moosic, PA
• City population: 5,403
• Population (ZIP): 5,403

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 (87%)
• Race & ethnicity: White 87% Two or more races 7% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 24% Scotch-Irish 6% Polish 1%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 95% English-only · Spanish 3% Chinese 1% Other Asian/Pacific 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: ▼ -22.40%
• Current HPI: 182.678
• 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

1 event — show timeline

• 2026-04-17 Listed $12,900 GSBR as distributed by MLS GRID