7005 Mckinley Ct · Clairton, PA 15025

$59,900

2 bd · 1.0 ba · 810 sqft · Townhouse public records · 351 Days on market

Built 1940 1,306 sqft lot $74/sqft · 21% below area Est $76k · 21% under ↓ 20% since listing

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +5.0/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Hey investors! Grab this cash-flowing rental opportunity with a 19% cap rate! This all-brick, 2-story townhome is a gem. New floors, solid wood kitchen cabinets, and tons of natural light. Enjoy the backyard and laundry room access from the kitchen. Plus, the roof and central air are brand new. Best part? It's tenant-occupied with a reliable Section 8 tenant paying $1250/month.

Key facts

• Move-in ready
• Big windows
• Solid wood cabinets

Tags

• MOVE-IN READY
• NEW FLOORING
• SOLID WOOD CABINETS
• BIG WINDOWS
• BACK YARD
• LAUNDRY ROOM

🏷️ Possibly a rental listed for sale. The $59,900 price doesn't fit this home's estimated sale value (~$75,583) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $60k.

Deal economics

• At list price, monthly cash flow is $550 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $53k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.3% vs local median 12.7% in Clairton — 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 63/100 on livability (#1,308 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: crime C-, health & safety D+, schools F.
• Clairton City SD (suburban): math 7% / reading 21% proficiency, ranked #520 of 539 in PA (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+10.5%/yr); 94 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 351 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $52,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 351 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 1940 — 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 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?
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: 1.92% ✓
• Cap rate: 17.31%
• Cash-on-cash: 39.36%
• DSCR: 2.75
• GRM: 4.3

CMA / ARV

• ARV (median comp): $75,583
• List price: $59,900
• Delta: -20.75%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
559 Farnsworth Ave	0.69mi	2/1.0	896 (+11%)	20mo	$37,000	$41	33

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 40.9%
• Equity multiple: 2.87×
• Total profit: $31,408
• Equity at exit: $8,931

10-year hold

• IRR: 49.4%
• Equity multiple: 6.97×
• Total profit: $100,133
• Equity at exit: $5,179

Cash invested: $16,772 (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 15025

• Home prices YoY: -34.4%
• Rents YoY: 10.5%
• Active inventory: 94
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,153 high
• Mortgage (P&I): −$314
• Tax from tax record: −$22 /mo · $260/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $550

Break-even live

Break-even rent $457

Max offer price $59,900

Occupancy floor 47%

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
127 Constitution Cir Clairton, PA	2.0	1.0	972	$1,275	$1.31	1d	1	0.53mi
127 Constitution Cir Clairton, PA	2.0	1.0	1063	$1,275	$1.20	10d	1	0.53mi
753 East Dr Clairton, PA	3.0	1.0	1000	$1,100	$1.10	43d	1	0.63mi
618 Farnsworth Ave Clairton, PA	2.0	1.0	896	$1,050	$1.17	43d	1	0.68mi
601 Farnsworth Ave Clairton, PA	2.0	1.0	1004	$995	$0.99	4d	1	0.69mi
701-703 Waddell Ave Clairton, PA	1.0	1.0	700	$900	$1.29	23d	1	0.70mi
505 Wylie Ave Clairton, PA	2.0	1.0	791	$1,500	$1.90	1d	1	0.72mi
1347 High Rd Clairton, PA	2.0	1.0	870	$1,250	$1.44	43d	1	0.74mi
422 Mitchell Ave Rear Rear Clairton, PA	1.0	1.0	900	$975	$1.08	17d	1	0.80mi
446 Waddell Ave Unit 446 1/2 Clairton, PA	1.0	1.0	900	$595	$0.66	43d	1	0.85mi
927 Vankirk St Clairton, PA	2.0	1.0	840	$1,150	$1.37	12d	1	0.95mi
929 Vankirk St Unit 1 Clairton, PA	2.0	1.5	810	$1,050	$1.30	43d	1	0.95mi
540 Reed St Unit 1 Clairton, PA	1.0	1.0	528	$799	$1.51	43d	1	1.10mi
507 N 6th St Clairton, PA	2.0	1.5	1120	$1,250	$1.12	43d	1	1.19mi
511 Payne Hill Rd Clairton, PA	1.0–3.0	1.0–2.0	1026	$1,572	$1.53	1d	1	1.20mi
441 Ohio Ave Clairton, PA	2.0	1.0	852	$950	$1.12	20d	1	1.49mi

Listing history 15 events

1. 2026-06-18
   days on market $59,900 Active 351 DOM
2. 2026-06-17
   days on market $59,900 Active 350 DOM
3. 2026-06-16
   days on market $59,900 Active 349 DOM
4. 2026-06-15
   days on market $59,900 Active 348 DOM
5. 2026-06-13
   days on market $59,900 Active 346 DOM
6. 2026-06-09
   days on market $59,900 Active 342 DOM
7. 2026-06-08
   days on market $59,900 Active 341 DOM
8. 2026-06-07
   days on market $59,900 Active 340 DOM
9. 2026-06-05
   days on market $59,900 Active 337 DOM
10. 2026-06-03
    days on market $59,900 Active 336 DOM
11. 2026-06-02
    days on market $59,900 Active 335 DOM
12. 2026-06-01
    days on market $59,900 Active 334 DOM
13. 2026-05-31
    days on market $59,900 Active 333 DOM
14. 2026-03-24
    price $59,900 380-char remark

    Show marketing remark (380 chars)

    Hey investors! Grab this cash-flowing rental opportunity with a 19% cap rate! This all-brick, 2-story townhome is a gem. New floors, solid wood kitchen cabinets, and tons of natural light. Enjoy the backyard and laundry room access from the kitchen. Plus, the roof and central air are brand new. Best part? It's tenant-occupied with a reliable Section 8 tenant paying $1250/month.

15. 2025-07-03
    listed $74,500 Active 380-char remark

    Show marketing remark (380 chars)

    Hey investors! Grab this cash-flowing rental opportunity with a 19% cap rate! This all-brick, 2-story townhome is a gem. New floors, solid wood kitchen cabinets, and tons of natural light. Enjoy the backyard and laundry room access from the kitchen. Plus, the roof and central air are brand new. Best part? It's tenant-occupied with a reliable Section 8 tenant paying $1250/month.

ⓘ 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: $260 · $22/mo
• Projected year-2 tax: $603 · $50/mo
• Expected delta: +$343/yr (+$29/mo · 132.3%)

ⓘ 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 ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,835
• − Mortgage interest: −$3,355
• − Property taxes: −$260
• − Insurance: −$300
• − Repairs & maintenance: −$1,107
• − Management: −$1,107
• − Depreciation: −$1,743
• Taxable income: $5,965
• Est. tax owed @ 24.0%: −$1,431
• After-tax cash flow: $5,170/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: Clairton City SD
• NCES district ID: 4206030
• Math proficiency: 7% ▼ -11.00%
• Reading proficiency: 21% ▼ -12.00%
• Median HH income: $30,250
• Composite: 11.0/100
• National rank: #9742
• State rank: #520 of 539 in PA

Livability — Clairton

• Score: 63/100
• State rank: #1308
• US rank: #16085

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Clairton, PA
• County: Allegheny County · 1,022,028 people
• City population: 16,939
• Metro: Pittsburgh, PA
• Population (ZIP): 16,939
• Household income: $76,531
• Rent vs Own: 25.1% rent · 74.9% own
• Severe rent burden: 572.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 18% Two or more races 4% Asian 2% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 2% Slovak 1%
• Foreign-born: 4% · China, Canada, India
• Languages at home: 96% English-only · Other Indo-European 1% Chinese 1% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.35%
• Current HPI: 183.858
• Rent YoY: ▲ 10.47%
• 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

-19.6% since first listed

2 events — show timeline

• 2026-03-24 Price Changed $59,900 West Penn MLS
• 2025-07-03 Listed $74,500 West Penn MLS

Property tax history

+12.4%/yr

Latest (2026): $260 · +11.0% YoY. Source: county tax records.