26 Lincoln St · Salineville, OH 43945

$99,000

3 bd · 1.0 ba · 1,536 sqft · SingleFamily public records · 47 Days on market

Built 1900 7,187 sqft lot

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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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Looking for a house with room to spare, then don't miss out on this 3 bedroom one bath home. Exquisite woodwork and wooden doors quicky catch your eye as you enter the house. The smell of fresh paint and flooring will get your attention. The large kitchen gives you plenty of room to maneuver as you prepare meals and the roomy living room, plus family room, gives you plenty of room for family gatherings. There is also a large back yard for everyone to roam and play. Quality workmanship at its best has turned this house into a home that you must put on your must see list. Call now for your private showing!!!

Key facts

• Woodwork
• Roomy living room
• Large kitchen

Tags

• WOODWORK
• WOODEN DOORS
• LARGE KITCHEN
• ROOMY LIVING ROOM
• LARGE BACK YARD
• QUALITY WORKMANSHIP

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water; Public sewer
• Home design: Two-story home
• Construction: Vinyl siding; Asbestos shingle roof; Built according to public records
• Exterior features: Small lot (approximately 0.165 acres); Updated/remodeled condition

Interior

• Kitchen: Eat-in kitchen; Range; Refrigerator
• Bedrooms: Three bedrooms (all on second level)
• Flooring: Laminate flooring in kitchen, dining room, and one bathroom; Carpeted living room and bedrooms
• Bathrooms: One full bathroom (second level)
• Heating & cooling: Gas heating
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $388 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $96k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#840 in OH) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety C-, schools D, amenities F.
• Southern Local (rural): math 29% / reading 48% proficiency, ranked #547 of 656 in OH (top 83%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 21 active listings in the ZIP; 49 units permitted in Columbiana County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($684 loan paydown + $10k appreciation (10.0% local appreciation)).
• Columbiana County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($96k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $96,030 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 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 1900 — 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. Schools are D-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. 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: 1.24% ✓
• Cap rate: 11.00%
• Cash-on-cash: 16.80%
• DSCR: 1.75
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 36.7%
• Equity multiple: 3.84×
• Total profit: $78,596
• Equity at exit: $89,187

10-year hold

• IRR: 31.6%
• Equity multiple: 8.65×
• Total profit: $211,923
• Equity at exit: $192,335

Cash invested: $27,720 (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.

Methodology + full state rankings →

ZIP-level market 43945

• Home prices YoY: 5.5%
• Active inventory: 21
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,228 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$22 /mo · $261/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $388

Break-even live

Break-even rent $737

Max offer price $99,000

Occupancy floor 63%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $99,000 Active 47 DOM
2. 2026-06-17
   days on market $99,000 Active 46 DOM
3. 2026-06-16
   days on market $99,000 Active 45 DOM
4. 2026-06-16
   pricestatus $99,000 Active 44 DOM
5. 2026-06-15
   days on market $89,900 Contingent 44 DOM
6. 2026-06-13
   days on market $89,900 Contingent 42 DOM
7. 2026-06-12
   days on market $89,900 Contingent 41 DOM
8. 2026-06-09
   days on market $89,900 Contingent 38 DOM
9. 2026-06-08
   days on market $89,900 Contingent 37 DOM
10. 2026-06-08
    days on market $89,900 Contingent 36 DOM
11. 2026-06-07
    days on market $89,900 Contingent 35 DOM
12. 2026-06-04
    days on market $89,900 Contingent 32 DOM
13. 2026-06-02
    days on market $89,900 Contingent 31 DOM
14. 2026-06-01
    days on market $89,900 Contingent 30 DOM
15. 2026-05-31
    days on market $89,900 Contingent 29 DOM
16. 2026-05-15
    historical Contingent
17. 2026-05-01
    listed $89,900 Active

ⓘ 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: $261 · $22/mo
• Projected year-2 tax: $902 · $75/mo
• Expected delta: +$642/yr (+$53/mo · 246.3%)

ⓘ 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 ≥97°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

Taxation est. · year 1

• Rental income: $14,739
• − Mortgage interest: −$5,546
• − Property taxes: −$261
• − Insurance: −$495
• − Repairs & maintenance: −$1,179
• − Management: −$1,179
• − Depreciation: −$2,880
• Taxable income: $3,199
• Est. tax owed @ 24.0%: −$768
• After-tax cash flow: $3,890/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: Southern Local
• NCES district ID: 3904644
• Math proficiency: 29% ▼ -25.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $41,372
• Composite: 32.35/100
• National rank: #5742
• State rank: #547 of 656 in OH

Livability — Salineville

• Score: 63/100
• State rank: #840
• US rank: #15730

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Salineville, OH
• County: Columbiana · 99,532 people
• Population (ZIP): 2,620
• Household income: $62,946
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 11.2

Population outlook (Columbiana County) Hauer SSP2

• Today (2025): 98,353 people
• By 2030: 94,225 · -4.2%
• By 2040: 85,169 · -13.4%
• By 2050: 76,157 · -22.6%
• By 2075: 58,451 · -40.6%
• By 2100: 42,805 · -56.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Black 7% Two or more races 2%
• Common ancestry: Polish 4% Slovak 3% Lithuanian 3%
• Foreign-born: 0%
• Languages at home: 94% English-only · German/W. Germanic 5% Spanish 1%

Political lean MEDSL · Columbiana

• 2024 margin: Solid R (+49.0) · D 25.1% · R 74.1%
• 2008→2024 swing: -41.4pp toward R · 2008: -7.6pp · 2024: -49.0pp
• All cycles: 2024: R+49.0 2020: R+44.9 2016: R+41.6 2012: R+12.0 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 10.92%
• Current HPI: 209.5671
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

2 events — show timeline

• 2026-05-15 Contingent — MLSNOW
• 2026-05-01 Listed $89,900 MLSNOW

Property tax history

+4.2%/yr

Latest (2025): $261 · -11.2% YoY. Source: county tax records.