127 White Ave · Linwood, PA 19061

$85,000

3 bd · 1.0 ba · 1,106 sqft · Townhouse public records · 7 Days on market

Built 1935 1,742 sqft lot $77/sqft · 52% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Rent growth +3.0/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

nvestor special! This property is being sold strictly as-is, with the buyer responsible for any and all township requirements, including the U & O. Full rehab needed — ideal opportunity for a fix & flip or long-term rental investment. Strong upside potential for the right buyer willing to bring this property back to life. Cash or rehab financing recommended.

Key facts

• Built 1935
• Listed 7 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Semi-detached property; Above-grade finished living area 1,106 (per assessor); Fee simple ownership
• Construction: Vinyl and aluminum siding; Stone foundation
• Exterior features: Lot dimensions approximately 20 x 86

Interior

• Bedrooms: 3 bedrooms on main level
• Bathrooms: 1 full bathroom on main level; 1 full bathroom total
• Heating & cooling: Forced air heating; Oil-fired heating; Electric hot water
• Interior features: Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $85k.

Deal economics

• At list price, monthly cash flow is $784 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $85k).

Location & tenants

• Location reads 79/100 on livability (#234 in PA, #2,020 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: commute D+, amenities F.
• Chichester SD (suburban): math 19% / reading 41% proficiency, ranked #438 of 539 in PA (top 81%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.8%/yr); 68 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.8% rent growth), your $24k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $85,000

Questions for the listing agent

1. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 2.04% ✓
• Cap rate: 17.36%
• Cash-on-cash: 39.53%
• DSCR: 2.76
• GRM: 4.1

CMA / ARV

• ARV (median comp): $178,444
• List price: $85,000
• Delta: -52.37%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
125 White Ave	0.00mi	4/1.0 (+1)	1,106 (0%)	3mo	$185,000	$167	92
1515 Yates Ave	0.14mi	3/1.5	1,080 (-2%)	1mo	$170,000	$157	87
101 Chadwick Ave	0.09mi	3/1.5	1,080 (-2%)	7mo	$180,000	$167	84
1363 Green St	0.18mi	3/1.5	1,072 (-3%)	5mo	$176,000	$164	80
1339 Green St	0.22mi	3/1.5	1,056 (-4%)	4mo	$177,000	$168	77
136 Chadwick Ave	0.11mi	3/1.5	1,031 (-7%)	8mo	$225,000	$218	75
159 Chadwick Ave	0.11mi	3/1.5	1,005 (-9%)	6mo	$225,000	$224	73
33 Maple St	0.40mi	3/1.0	1,168 (+6%)	8mo	$179,000	$153	65
1335 Green St	0.23mi	3/1.5	960 (-13%)	0mo	$185,000	$193	65
630 Taylor Ave	0.51mi	2/1.0 (-1)	1,200 (+8%)	0mo	$235,500	$196	57
1024 Washington Ave	0.43mi	3/1.0	1,238 (+12%)	9mo	$190,000	$153	53
303 Johnson Ave	0.41mi	3/1.5	1,245 (+13%)	8mo	$249,000	$200	51

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 · 1.83% rent growth · sell at horizon

5-year hold

• IRR: 34.5%
• Equity multiple: 2.44×
• Total profit: $34,174
• Equity at exit: $12,674

10-year hold

• IRR: 40.7%
• Equity multiple: 4.62×
• Total profit: $86,086
• Equity at exit: $7,349

Cash invested: $23,800 (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 19061

• Rents YoY: 1.8%
• Active inventory: 68
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,730 high
• Mortgage (P&I): −$446
• Tax from tax record: −$102 /mo · $1,221/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$363
• Net cashflow: $784

Break-even live

Break-even rent $738

Max offer price $85,000

Occupancy floor 50%

Sensitivity live

Price	-10% $832	-5% $808	+0% $784	+5% $760	+10% $736
Rent	-10% $647	-5% $716	+0% $784	+5% $852	+10% $921
Rate	-1.0pp $827	-0.5pp $806	base $784	+0.5pp $762	+1.0pp $740

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
130 Harvey Ave Unit 1 Linwood, PA	3.0	1.0	1173	$1,750	$1.49	10d	1	0.07mi
151 Chadwick Ave Marcus Hook, PA	3.0	1.5	1080	$1,600	$1.48	11d	1	0.12mi
117 Ervin Ave Marcus Hook, PA	3.0	1.5	720	$1,595	$2.22	21d	1	0.13mi
119 E Laughead Ave Marcus Hook, PA	3.0	1.5	1080	$1,530	$1.42	4d	1	0.22mi
1015 McClenahan Ter Marcus Hook, PA	3.0	2.5	1456	$2,400	$1.65	11d	1	0.40mi
15 Marshall Ave Marcus Hook, PA	3.0	1.0	1204	$1,600	$1.33	25d	1	0.51mi
8 W 8th St Marcus Hook, PA	3.0	1.0	1120	$1,600	$1.43	19d	1	0.60mi
7 W 6th St Marcus Hook, PA	3.0	1.0	1287	$1,815	$1.41	15d	1	0.73mi
1006 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	25d	1	1.16mi
1107-1115 Keystone Rd Chester, PA	2.0	1.0	700	$1,250	$1.79	44d	1	1.18mi
908 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	44d	1	1.20mi
906 Keystone Rd Unit 1 Chester, PA	2.0	1.0	800	$1,200	$1.50	25d	1	1.20mi
906 Keystone Rd Chester, PA	2.0	1.0	800	$1,200	$1.50	22d	1	1.20mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	22d	1	1.21mi
2820 Chichester Ave Boothwyn, PA	2.0	1.0	850	$1,347	$1.58	22d	1	1.24mi
237 Ridge Rd Claymont, DE	2.0	1.0	950	$1,700	$1.79	22d	1	1.42mi
2832 W 6th St Unit 306 Chester, PA	3.0	1.0	1428	$1,500	$1.05	5d	1	1.46mi

Listing history 2 events

1. 2026-05-04
   status Pending 376-char remark
2. 2026-04-27
   listed $85,000 Active 376-char remark

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $1,221 · $102/mo
• Projected year-2 tax: $1,282 · $107/mo
• Expected delta: +$61/yr (+$5/mo · 5.0%)

ⓘ 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 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,764
• − Mortgage interest: −$4,761
• − Property taxes: −$1,221
• − Insurance: −$425
• − Repairs & maintenance: −$1,661
• − Management: −$1,661
• − Depreciation: −$2,473
• Taxable income: $8,562
• Est. tax owed @ 24.0%: −$2,055
• After-tax cash flow: $7,354/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: Chichester SD
• NCES district ID: 4205910
• Math proficiency: 19% ▼ -12.00%
• Reading proficiency: 41% ▼ -17.00%
• Median HH income: $57,612
• Composite: 26.84/100
• National rank: #7110
• State rank: #438 of 539 in PA

Livability — Linwood

• Score: 79/100
• State rank: #234
• US rank: #2020

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linwood, PA
• County: Delaware County · 399,863 people
• City population: 20,135
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 19,896
• Household income: $82,005
• Rent vs Own: 36.5% rent · 63.5% own
• Severe rent burden: 612.0

Population outlook (Delaware County) Hauer SSP2

• Today (2025): 577,490 people
• By 2030: 581,243 · +0.6%
• By 2040: 584,700 · +1.2%
• By 2050: 586,581 · +1.6%
• By 2075: 598,706 · +3.7%
• By 2100: 590,823 · +2.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Hispanic / Latino 5% Two or more races 5% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 5% Subsaharan African 3% Polish 2%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 90% English-only · Spanish 3% Chinese 3% Other Indo-European 1%

Political lean MEDSL · Delaware

• 2024 margin: Strong D (+23.7) · D 61.4% · R 37.6% · Other 1.0%
• 2008→2024 swing: +2.3pp toward D · 2008: 21.4pp · 2024: 23.7pp
• All cycles: 2024: D+23.7 2020: D+26.7 2016: D+22.0 2012: D+21.8 2008: D+21.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -187.71%
• Current HPI: 265.507
• Rent YoY: ▲ 1.83%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• 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

2 events — show timeline

• 2026-05-04 Pending — BRIGHT MLS
• 2026-04-27 Listed $85,000 BRIGHT MLS

Property tax history

-4.3%/yr

Latest (2026): $1,221 · -67.7% YoY. Source: county tax records.