899 9th St · Ambridge, PA 15003

$69,900

1 bd · 1.0 ba · 400 sqft · SingleFamily public records · 283 Days on market

Built 1920 871 sqft lot

---

Why this score? — see what drove the C 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 +24.7/30.0
• DSCR +8.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.0/10.0
• Livability +3.9/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nice addition to a rental portfolio. This low maintenance rental is currently leased w/ tenant paying all utilities. One level living with no basement. Quiet street location. Within walking distance to the growing Ambridge business district. Convenient to the airport, Cranberry, Sewickley business district, and not to far from the city.

Key facts

• One level living
• Built 1920
• Listed 283 days

Tags

• ONE LEVEL LIVING
• QUIET STREET LOCATION
• CONVENIENT TO AIRPORT

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $146 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($770 rent vs $70k).
• Recommended offer: $62k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 6.3% in Ambridge — 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 78/100 on livability (#293 in PA, #2,594 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime F.
• Ambridge Area SD (suburban): math 23% / reading 48% proficiency, ranked #408 of 539 in PA (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Highland El Sch (math 8% / reading 27%, grade F, #1,295 of 1,518 statewide, top 86%, 316 students, 99% FRL); Ambridge Area Ms (math 13% / reading 45%, grade F, #391 of 512 statewide, top 77%, 467 students, 99% FRL); Ambridge Area Hs (math 42% / reading 24%, grade F, #325 of 437 statewide, top 75%, 733 students, 92% FRL) — zoned schools average 97% FRL vs 43% district-wide (54 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 58 active listings in the ZIP; 272 units permitted in Beaver County in 2024 (80 in 5+ unit buildings).
• This rent is only 16% of the median local income ($60k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Beaver 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 283 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $61,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 283 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.10% ✓
• Cap rate: 8.81%
• Cash-on-cash: 8.98%
• DSCR: 1.40
• GRM: 7.6

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: -2.7%
• Equity multiple: 0.90×
• Total profit: $-1,999
• Equity at exit: $10,422

10-year hold

• IRR: 7.0%
• Equity multiple: 1.52×
• Total profit: $10,268
• Equity at exit: $6,044

Cash invested: $19,572 (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 15003

• Home prices YoY: -15.7%
• Active inventory: 58
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $770 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$66 /mo · $796/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$162
• Net cashflow: $146

Break-even live

Break-even rent $585

Max offer price $69,900

Occupancy floor 76%

Sensitivity live

Price	-10% $186	-5% $166	+0% $146	+5% $127	+10% $107
Rent	-10% $86	-5% $116	+0% $146	+5% $177	+10% $207
Rate	-1.0pp $182	-0.5pp $164	base $146	+0.5pp $128	+1.0pp $110

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $69,900 Active 283 DOM
2. 2026-06-18
   days on market $69,900 Active 280 DOM
3. 2026-06-17
   days on market $69,900 Active 279 DOM
4. 2026-06-16
   days on market $69,900 Active 278 DOM
5. 2026-06-15
   days on market $69,900 Active 277 DOM
6. 2026-06-13
   days on market $69,900 Active 275 DOM
7. 2026-06-13
   days on market $69,900 Active 274 DOM
8. 2026-06-09
   days on market $69,900 Active 271 DOM
9. 2026-06-08
   days on market $69,900 Active 270 DOM
10. 2026-06-07
    days on market $69,900 Active 269 DOM
11. 2026-06-03
    days on market $69,900 Active 265 DOM
12. 2026-06-02
    days on market $69,900 Active 264 DOM
13. 2026-06-01
    days on market $69,900 Active 263 DOM
14. 2026-05-31
    days on market $69,900 Active 262 DOM
15. 2026-03-06
    price $69,900 338-char remark

    Show marketing remark (338 chars)

    Nice addition to a rental portfolio. This low maintenance rental is currently leased w/ tenant paying all utilities. One level living with no basement. Quiet street location. Within walking distance to the growing Ambridge business district. Convenient to the airport, Cranberry, Sewickley business district, and not to far from the city.

16. 2025-10-15
    price $74,900 338-char remark

    Show marketing remark (338 chars)

    Nice addition to a rental portfolio. This low maintenance rental is currently leased w/ tenant paying all utilities. One level living with no basement. Quiet street location. Within walking distance to the growing Ambridge business district. Convenient to the airport, Cranberry, Sewickley business district, and not to far from the city.

17. 2025-09-11
    listed $75,000 Active 338-char remark

    Show marketing remark (338 chars)

    Nice addition to a rental portfolio. This low maintenance rental is currently leased w/ tenant paying all utilities. One level living with no basement. Quiet street location. Within walking distance to the growing Ambridge business district. Convenient to the airport, Cranberry, Sewickley business district, and not to far from the city.

18. 2020-07-23
    soldstatus $210,000
19. 1998-07-30
    soldstatus $5,000
20. 1995-09-08
    soldstatus $12,500

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $796 · $66/mo
• Projected year-2 tax: $950 · $79/mo
• Expected delta: +$154/yr (+$13/mo · 19.4%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,243
• − Mortgage interest: −$3,915
• − Property taxes: −$796
• − Insurance: −$350
• − Repairs & maintenance: −$739
• − Management: −$739
• − Depreciation: −$2,033
• Taxable income: $670
• Est. tax owed @ 24.0%: −$161
• After-tax cash flow: $1,597/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: Ambridge Area SD
• NCES district ID: 4202440
• Math proficiency: 23% ▼ -12.00%
• Reading proficiency: 48% ▼ -10.00%
• Median HH income: $49,514
• Composite: 30.62/100
• National rank: #6190
• State rank: #408 of 539 in PA

Livability — Ambridge

• Score: 78/100
• State rank: #293
• US rank: #2594

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ambridge, PA
• County: Beaver County · 116,001 people
• City population: 11,387
• Metro: Pittsburgh, PA
• Population (ZIP): 11,387
• Household income: $59,550
• Rent vs Own: 35.8% rent · 64.2% own
• Severe rent burden: 397.0

Population outlook (Beaver County) Hauer SSP2

• Today (2025): 164,976 people
• By 2030: 161,449 · -2.1%
• By 2040: 151,752 · -8.0%
• By 2050: 141,155 · -14.4%
• By 2075: 118,142 · -28.4%
• By 2100: 91,740 · -44.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Two or more races 10% Black 9% Hispanic / Latino 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 7% Scotch-Irish 3% Subsaharan African 3%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Beaver

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -17.9pp toward R · 2008: -2.8pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+17.7 2016: R+20.1 2012: R+6.6 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -46.42%
• Current HPI: 249.8525
• Rent YoY: —
• Metro: Pittsburgh, PA
• 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

+459.2% since first listed

6 events — show timeline

• 2026-03-06 Price Changed $69,900 West Penn MLS
• 2025-10-15 Price Changed $74,900 West Penn MLS
• 2025-09-11 Listed $75,000 West Penn MLS
• 2020-07-23 Sold (Public Records) $210,000 Public Records
• 1998-07-30 Sold (Public Records) $5,000 Public Records
• 1995-09-08 Sold (Public Records) $12,500 Public Records

Property tax history

+1.5%/yr

Latest (2026): $796 · +2.2% YoY. Source: county tax records.