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1647 Sunnyside Dr
F Composite 28.79
Why this score? — see what drove the F 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 +7.1/30.0
  • Appreciation +6.2/10.0
  • Schools +4.0/10.0
  • Livability +3.7/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • 1% rule +1.6/10.0
  • DSCR +1.3/10.0
  • ARV discount +0.0/15.0

$290,000

1647 Sunnyside Dr · Pocono Springs, PA 18466
3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 22 Days on market
Built 1979 0.31 ac lot Est $202k · 44% over $133/mo HOA · 7% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Completely renovated bi-level home in Pocono Country Place featuring 3 bedrooms and 2 full bathrooms. This move-in ready property offers a newer roof, new flooring throughout, a finished basement perfect for additional living or entertainment space, and plenty of parking.

Key facts

  • Newer roof
  • New flooring
  • Plenty of parking

Tags

NEWER ROOFNEW FLOORINGFINISHED BASEMENTPLENTY OF PARKING

Property features AI

Finance

  • Other: Zoned residential
  • HOA & community: Homeowners association with an annual fee of $1,600 (about $133.33/month)

Exterior

  • Parking: Attached 1-car garage
  • Utilities: Shared well water; Public sewer
  • Home design: Single-family residence; Two levels
  • Construction: Stone and vinyl siding exterior
  • Exterior features: Shed(s); Lot in a residential subdivision (Pocono Country Place)

Interior

  • Bathrooms: 1 full bathroom; 1 three-quarter bathroom
  • Heating & cooling: Electric heating; Baseboard heating
  • Interior features: Finished basement; Total of 8 rooms

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $290k.

Deal economics

  • At list price, monthly cash flow is $-416 ($-5k/yr) — negative.
  • To cash-flow at today's rent, offer at most $217k (25.3% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $192k (33.7% below list).
  • Recommended offer: $192k (33.7% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 73/100 on livability (#560 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: schools F, amenities F, commute F.
  • Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 355 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

  • In year one you build about $9k of equity ($2k loan paydown + $7k appreciation (2.4% local appreciation)).
  • Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • By year 4, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 22 days — a 2% lower offer ($286k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 17y 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.
Recommended offer $192,324 (33.7% 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. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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. 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?
  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
0.66%
Cap rate
4.57%
Cash-on-cash
-6.14%
DSCR
0.73
GRM
12.6

CMA / ARV

ARV (on-the-fly)
$201,696
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1575 Black Birch Way 0.13mi 3/2.0 1,032 (-2%) 15mo $212,000 $205 74
1031 Knollwood Dr 0.25mi 3/2.0 1,100 (+4%) 9mo $146,000 $133 70
1259 Winding Way 0.59mi 3/1.0 1,026 (-3%) 6mo $184,900 $180 63
1125 Knollwood Dr 0.48mi 3/1.0 1,124 (+6%) 9mo $223,000 $198 60
2638 Foxledge Dr 0.71mi 3/2.0 1,021 (-3%) 1mo $190,000 $186 56
9008 Idlewild Dr 0.66mi 2/1.0 (-1) 1,080 (+2%) 9mo $130,000 $120 53
1900 Horseshoe Bnd 0.54mi 3/1.5 1,149 (+9%) 9mo $225,000 $196 51
1517 Black Birch Way 0.27mi 2/2.0 (-1) 1,176 (+11%) 11mo $245,000 $208 50
9148 Brandywine Dr 0.68mi 3/1.5 1,120 (+6%) 10mo $214,000 $191 48
1789 Rolling Hills Dr 0.50mi 3/2.0 1,200 (+14%) 6mo $285,000 $238 45
9423 Juniper Dr 0.71mi 3/2.0 1,179 (+12%) 8mo $150,844 $128 37
2755 Cleremont Dr 0.61mi 3/2.0 1,196 (+13%) 15mo $190,000 $159 33

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

Projected returns pro-forma

2.36% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
-0.3%
Equity multiple
0.98×
Total profit
$-1,295
Equity at exit
$120,022
10-year hold
IRR
3.9%
Equity multiple
1.55×
Total profit
$44,959
Equity at exit
$177,274

Cash invested: $81,200 (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.

ZIP-level market 18466

Home prices YoY
1.2%
Active inventory
355
Price-to-rent
12.6×

Monthly cashflow live

Estimated rent
$1,923 medium interval (Pro) →
Mortgage (P&I)
$1,521
Tax from tax record
$160 /mo · $1,923/yr
Insurance
$121
HOA
$133
Vacancy / Maint / Mgmt
$404
Net cashflow
$-416

Break-even live

Break-even rent $2,449
Max offer price $216,597
Occupancy floor

Sensitivity live

Price -10% $-251 -5% $-333 +0% $-416 +5% $-498 +10% $-580
Rent -10% $-567 -5% $-491 +0% $-416 +5% $-340 +10% $-264
Rate -1.0pp $-269 -0.5pp $-342 base $-416 +0.5pp $-491 +1.0pp $-567

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
$72,500
Closing costs
$8,700
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 4 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1763 Rolling Hills Dr Tobyhanna, PA 3.0 1.5 1008 $1,800 $1.79 8d 1 0.29mi
2846 Fairhaven Dr Tobyhanna, PA 3.0 2.0 1024 $1,950 $1.90 14d 1 0.66mi
9026 Idlewild Dr Tobyhanna, PA 3.0 2.0 1068 $2,300 $2.15 14d 1 0.77mi
5215 Sundew Ter Tobyhanna, PA 3.0 1.5 1200 $1,750 $1.46 44d 1 1.31mi

HOA detail

Monthly dues
$133 · $1,596/yr

Listing history 23 events

  1. 2026-06-19
    days on market $290,000 Active 22 DOM
  2. 2026-06-18
    days on market $290,000 Active 21 DOM
  3. 2026-06-17
    days on market $290,000 Active 20 DOM
  4. 2026-06-16
    days on market $290,000 Active 19 DOM
  5. 2026-06-15
    days on market $290,000 Active 18 DOM
  6. 2026-06-14
    days on market $290,000 Active 16 DOM
  7. 2026-06-13
    days on market $290,000 Active 15 DOM
  8. 2026-06-10
    days on market $290,000 Active 13 DOM
  9. 2026-06-09
    days on market $290,000 Active 12 DOM
  10. 2026-06-08
    days on market $290,000 Active 11 DOM
  11. 2026-06-07
    days on market $290,000 Active 10 DOM
  12. 2026-06-02
    days on market $290,000 Active 5 DOM
  13. 2026-06-01
    days on market $290,000 Active 4 DOM
  14. 2026-05-31
    days on market $290,000 Active 3 DOM
  15. 2026-05-30
    days on market $290,000 Active 2 DOM
  16. 2026-05-27
    listed $290,000 Active
  17. 2026-04-09
    price $289,000
  18. 2026-02-16
    price $300,000
  19. 2026-01-12
    price $315,000
  20. 2026-01-12
    price $310,000
  21. 2025-12-01
    listed $325,000 Active
  22. 2016-07-14
    listed $69,000
  23. 2009-11-03
    listed $159,900

ⓘ 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
$1,923 · $160/mo
Projected year-2 tax
$3,253 · $271/mo
Expected delta
+$1,329/yr (+$111/mo · 69.1%)

ⓘ 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 3/10 Moderate
  • 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$23,079
− Mortgage interest
−$16,245
− Property taxes
−$1,923
− Insurance
−$1,450
− Repairs & maintenance
−$1,846
− Management
−$1,846
− HOA
−$1,596
− Depreciation
−$8,436
Taxable loss
−$10,264
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,463
After-tax cash flow
$-2,523/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
Pocono Mountain SD
NCES district ID
4219500
Math proficiency
37% ▼ -5.00%
Reading proficiency
55% ▲ 1.00%
Median HH income
$55,317
Composite
39.91/100
National rank
#3856
State rank
#245 of 539 in PA

Livability — Pocono Springs

Score
73/100
State rank
#560
US rank
#5263

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
17,997

Population outlook (Monroe County) Hauer SSP2

Today (2025)
164,099 people
By 2030
161,412 · -1.6%
By 2040
154,616 · -5.8%
By 2050
146,710 · -10.6%
By 2075
140,830 · -14.2%
By 2100
138,472 · -15.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.72)
Race & ethnicity
White 38% Hispanic / Latino 27% Black 24% Two or more races 17% Asian 4%
Hispanic origin (detail)
Puerto Rican 12% Dominican 6%
Common ancestry
Romanian 2% Portuguese 1% German 1%
Foreign-born
16% · Canada
Languages at home
77% English-only · Spanish 17% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Monroe

2024 margin
Toss-up / Even · D 49.1% · R 49.9%
2008→2024 swing
-17.1pp toward R · 2008: 16.3pp · 2024: -0.8pp
All cycles
2024: R+0.8 2020: D+6.4 2016: D+0.3 2012: D+14.0 2008: D+16.3

Not yet ingested

Civics

Market trends

HPI YoY
▲ 2.36%
Current HPI
202.4134
Rent YoY
Metro
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

+81.4% since first listed
8 events — show timeline
  • 2026-05-27 Listed $290,000 LCAR
  • 2026-04-09 Price Changed $289,000 PMAR
  • 2026-02-16 Price Changed $300,000 PMAR
  • 2026-01-12 Price Changed $315,000 PMAR
  • 2026-01-12 Price Changed $310,000 PMAR
  • 2025-12-01 Listed $325,000 PMAR
  • 2016-07-14 Listed $69,000 PMAR
  • 2009-11-03 Listed $159,900 PMAR

Property tax history

-0.0%/yr

Latest (2026): $1,923 · +3.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…