144 Westwood · Pocono Ranch Lands, PA 18328

$295,000

3 bd · 2.5 ba · 2,132 sqft · SingleFamily · 4 Days on market

Built 1995 0.55 ac lot Est $301k · at est. $114/mo HOA · 5% of rent

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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).

• Appreciation +10.0/10.0
• ARV discount +8.3/15.0
• Cash flow +7.4/30.0
• Schools +4.7/10.0
• Livability +3.3/5.0
• 1% rule +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.6/10.0

Listing remarks MLS

Completely renovated home in amenity filled community. New roof, flooring, paint, kitchen appliances, plumbing, septic just cleaned out & new pump. Perimeter French drain installed. Walk to pool. , Beds Description: 1 BED 2nd, Beds Description: 2+Bed1st, Beds Description: 1 BED 2nd, Baths: 1 Bath Level 2, Baths: 1/2 Bath Lev L, Baths: 2 Bath Lev 1, Eating Area: Dining Area

Key facts

• Open floor plan
• Versatile loft area
• Large walk-in closet

Tags

• OPEN FLOOR PLAN
• LARGE WALK-IN CLOSET
• LUXURIOUS ENSUITE BATH
• JETTED TUB
• VERSATILE LOFT AREA
• DEDICATED HOME OFFICE

Property features AI

Finance

• Other: Subdivision: Wild Acres
• HOA & community: Homeowners association with annual fee; Association amenities include gated access, pool, playground, lake, beach access and beach rights; Association provides snow removal

Exterior

• Parking: Attached garage; Driveway (paved)
• Security: Community security (gated community)
• Utilities: Paved road surface
• Home design: Single-family house; Updated/remodeled condition; Two stories (three or more levels layout); Above-grade and below-grade finished living areas
• Construction: Finished below-grade living area
• Exterior features: Deck; Exterior lighting; Front and back yard; Paved road access

Interior

• Kitchen: Dishwasher; Refrigerator
• Bedrooms: Total of 7 rooms (includes bedrooms and living spaces)
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Electric heating
• Interior features: Cathedral ceilings; Open floor plan; Finished full basement
• Laundry & utility: Washer; Dryer; Laundry room located on lower level

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $-374 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $241k (18.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $225k (23.7% below list).
• Recommended offer: $225k (23.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#1,037 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: employment D, health & safety D, amenities F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Delaware Valley Hs (math 77% / reading 75%, grade A-, #25 of 437 statewide, top 6%, 1,418 students, 37% FRL).
• Zoned-school proficiency averages 76% at this address vs 54% district-wide (+22 pts) — the actual schools serving this property are materially stronger than the Delaware Valley SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 213 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$51k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 9y 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 $130k; list at $295k implies a 127% gain — meaningful room to come down on a strong offer.

Recommended offer $225,146 (23.7% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
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: 0.76% ✗
• Cap rate: 4.77%
• Cash-on-cash: -5.43%
• DSCR: 0.76
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $300,612
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
144 Westwood	0.00mi	3/2.5	2,132 (0%)	1mo	$300,000	$141	99
157 Westwood Dr	0.07mi	3/2.0	2,134 (+0%)	12mo	$275,000	$129	85
139 Westwood Dr	0.05mi	3/3.0	2,200 (+3%)	8mo	$335,000	$152	84
123 Lakeview Dr	0.51mi	3/2.0	2,164 (+2%)	10mo	$249,000	$115	64
104 Lakeview Dr	0.65mi	3/2.0	2,244 (+5%)	2mo	$317,000	$141	57
157 Mountain Lake Dr	0.74mi	3/2.0	2,206 (+4%)	0mo	$550,000	$249	57
174 Westwood Dr	0.20mi	3/3.0	2,435 (+14%)	18mo	$336,000	$138	50
240 Mountain Top Dr	0.61mi	4/3.0 (+1)	1,936 (-9%)	5mo	$365,000	$189	45
116 Stroud Ct	0.57mi	3/2.0	1,904 (-11%)	13mo	$263,000	$138	43
115 Ridge Rd	0.65mi	3/3.0	1,956 (-8%)	14mo	$365,000	$187	42
109 Stamford Rd	0.29mi	3/2.0	1,816 (-15%)	23mo	$265,000	$146	41
123 Fairview Dr	0.47mi	4/3.0 (+1)	2,336 (+10%)	17mo	$275,000	$118	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.4%
• Equity multiple: 2.66×
• Total profit: $136,947
• Equity at exit: $265,759

10-year hold

• IRR: 18.6%
• Equity multiple: 6.11×
• Total profit: $422,228
• Equity at exit: $573,120

Cash invested: $82,600 (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 18328

• Home prices YoY: 18.1%
• Active inventory: 213
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,251 medium
• Mortgage (P&I): −$1,547
• Tax est. 1.5%: −$369 /mo · $4,425/yr
• Insurance: −$123
• HOA: −$114
• Vacancy / Maint / Mgmt: −$473
• Net cashflow: $-374

Break-even live

Break-even rent $2,725

Max offer price $240,879

Occupancy floor —

Sensitivity live

Price	-10% $-170	-5% $-272	+0% $-374	+5% $-476	+10% $-578
Rent	-10% $-552	-5% $-463	+0% $-374	+5% $-285	+10% $-196
Rate	-1.0pp $-225	-0.5pp $-299	base $-374	+0.5pp $-450	+1.0pp $-528

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
159 Spring Dr Dingmans Ferry, PA	3.0	2.0	1920	$2,000	$1.04	7d	1	0.41mi
368 Wild Acres Dr Dingmans Ferry, PA	4.0	3.0	2262	$3,000	$1.33	0d	1	1.27mi

HOA detail

• Monthly dues: $114 · $1,368/yr
• Likely covers: pool

Listing history 4 events

1. 2026-04-13
   status Pending
2. 2026-04-10
   listed $295,000 Active
3. 2017-12-14
   soldstatus $130,000 382-char remark

   Show marketing remark (382 chars)

   Completely renovated home in amenity filled community. New roof, flooring, paint, kitchen appliances, plumbing, septic just cleaned out & new pump. Perimeter French drain installed. Walk to pool. , Beds Description: 1 BED 2nd, Beds Description: 2+Bed1st, Beds Description: 1 BED 2nd, Baths: 1 Bath Level 2, Baths: 1/2 Bath Lev L, Baths: 2 Bath Lev 1, Eating Area: Dining Area

4. 2017-10-02
   listed $137,900 382-char remark

   Show marketing remark (382 chars)

   Completely renovated home in amenity filled community. New roof, flooring, paint, kitchen appliances, plumbing, septic just cleaned out & new pump. Perimeter French drain installed. Walk to pool. , Beds Description: 1 BED 2nd, Beds Description: 2+Bed1st, Beds Description: 1 BED 2nd, Baths: 1 Bath Level 2, Baths: 1/2 Bath Lev L, Baths: 2 Bath Lev 1, Eating Area: Dining Area

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

Taxation est. · year 1

• Rental income: $27,018
• − Mortgage interest: −$16,525
• − Property taxes: −$4,425
• − Insurance: −$1,475
• − Repairs & maintenance: −$2,161
• − Management: −$2,161
• − HOA: −$1,368
• − Depreciation: −$8,582
• Taxable loss: −$9,680
• Est. tax savings @ 24.0%: +$2,323
• After-tax cash flow: $-2,165/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Pocono Ranch Lands

• Score: 66/100
• State rank: #1037
• US rank: #11566

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 8,061

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 10% Two or more races 8%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Scotch-Irish 6% Romanian 6% Iranian 4%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 6% Russian/Polish/Slavic 5% Other Indo-European 2%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 38.13%
• Current HPI: 248.4494
• 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

+113.9% since first listed

4 events — show timeline

• 2026-04-13 Pending — PWMLS
• 2026-04-10 Listed $295,000 PWMLS
• 2017-12-14 Sold (MLS) $130,000 PWMLS
• 2017-10-02 Listed $137,900 PWMLS