1019 Bert Cir · Penn, PA 15675

$82,999

3 bd · 2.0 ba · 880 sqft · SingleFamily · 167 Days on market

Built 2026 Good condition 910 sqft lot $94/sqft · 6% below area Est $88k · 6% under

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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 +19.8/30.0
• ARV discount +10.1/15.0
• Schools +7.5/10.0
• DSCR +6.3/10.0
• 1% rule +5.3/10.0
• Appreciation +4.7/10.0
• Condition / age +4.0/5.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0

Listing remarks

More space. More comfort. This brand-new 880 square foot, 3-bedroom, 2-bath home offers the room you need without the price tag you'd expect. Perfect for small families, first-time buyers, or anyone ready to stop renting and start owning. The Borough delivers a smart, efficient single-level layout with three real bedrooms, two full bathrooms, and a flowing open floor plan that makes everyday living feel easy and connected. The kitchen opens directly into the dining and living areas, keeping the home feeling spacious and social. Each bedroom is thoughtfully positioned to offer privacy and comfort for the whole family.

Key facts

• Built 2026
• Listed 167 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $83k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $99 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($852 rent vs $83k).
• Recommended offer: $73k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 2.4% in Penn — 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 56/100 on livability (#1,637 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D+, amenities F, commute F.
• Penn-Trafford SD (suburban): math 60% / reading 78% proficiency, ranked #27 of 539 in PA (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 14% free/reduced lunch — higher-income household profile.
• Zoned schools: Penn Trafford Hs (math 89%, 1,263 students, 19% FRL) — zoned schools at 19% FRL track the district average.
• Market conditions: 15 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 62d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).
• This rent is only 14% of the median local income ($72k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $98 of equity ($574 loan paydown + $-476 appreciation (-0.6% local appreciation)).
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.6% appreciation + 3.0% rent growth), your $23k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 167 days — a 12% lower offer ($73k) is reasonable based on typical stale-listing flexibility.

Recommended offer $73,039 (12.0% below list)

Questions for the listing agent

1. It's been on market 167 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
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: 1.03% ✓
• Cap rate: 7.73%
• Cash-on-cash: 5.13%
• DSCR: 1.23
• GRM: 8.1

CMA / ARV

• ARV (median comp): $88,053
• List price: $82,999
• Delta: -5.74%
• Verdict: FAIR
• Comps: 5 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
113 1/2 13th St	0.73mi	2/1.0 (-1)	870 (-1%)	4mo	$66,800	$77	52
303 Mount Manor Rd	1.12mi	3/2.0	920 (+4%)	7mo	$161,000	$175	51
214 S 7th St	1.10mi	2/1.0 (-1)	900 (+2%)	6mo	$65,000	$72	47
113 S 13th St	0.73mi	2/1.0 (-1)	900 (+2%)	10mo	$85,000	$94	45
923 Scott Ave	0.94mi	2/2.0 (-1)	936 (+6%)	5mo	$134,900	$144	45

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

Projected returns pro-forma

-0.57% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.6%
• Equity multiple: 1.07×
• Total profit: $1,706
• Equity at exit: $21,747

10-year hold

• IRR: 7.7%
• Equity multiple: 1.78×
• Total profit: $18,146
• Equity at exit: $24,330

Cash invested: $23,240 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 5 active
• Months of supply: 15.0 mo (7%/mo absorbed)
• Median asking: $79,999 ($84/sqft)
• Median days on market: 167 d
• This list price: 80% of active listings are priced below it
• ARV vs active asking: +19.8% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 15675

• Home prices YoY: -0.2%
• Active inventory: 15
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $852 medium
• Mortgage (P&I): −$435
• Tax est. 1.5%: −$104 /mo · $1,245/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$179
• Net cashflow: $99

Break-even live

Break-even rent $726

Max offer price $82,999

Occupancy floor 83%

Sensitivity live

Price	-10% $157	-5% $128	+0% $99	+5% $71	+10% $42
Rent	-10% $32	-5% $66	+0% $99	+5% $133	+10% $167
Rate	-1.0pp $141	-0.5pp $121	base $99	+0.5pp $78	+1.0pp $56

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: $20,750
• Closing costs: $2,490
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
105 Clay Ave Jeannette, PA	3.0–5.0	1.0	1250	$625	$0.50	0d	1	1.42mi
36 Gaskill Ave Unit 2 Jeannette, PA	3.0	1.0	1100	$950	$0.86	62d	1	1.44mi
508 Lowry Ave Jeannette, PA	2.0	1.0	1000	$950	$0.95	139d	1	1.49mi

Property features AI

Finance

• Financial info: List price $79,999

Exterior

• Home design: Spec build named "The Borough"
• Construction: 880 living areaBuilt as a spec home
• Exterior features: Shake roof

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 bathrooms
• Interior features: Microwave

Listing history 50 events

1. 2026-09-23
   days on market $82,999 Active 167 DOM
2. 2026-09-22
   days on market $82,999 Active 166 DOM
3. 2026-09-21
   days on market $82,999 Active 165 DOM
4. 2026-09-20
   days on market $82,999 Active 164 DOM
5. 2026-09-19
   days on market $82,999 Active 163 DOM
6. 2026-09-18
   days on market $82,999 Active 162 DOM
7. 2026-09-17
   days on market $82,999 Active 161 DOM
8. 2026-09-16
   days on market $82,999 Active 160 DOM
9. 2026-09-15
   days on market $82,999 Active 159 DOM
10. 2026-09-14
    days on market $82,999 Active 158 DOM
11. 2026-09-13
    days on market $82,999 Active 157 DOM
12. 2026-09-12
    days on market $82,999 Active 156 DOM
13. 2026-09-11
    days on market $82,999 Active 155 DOM
14. 2026-09-05
    days on market $82,999 Active 149 DOM
15. 2026-09-04
    days on market $82,999 Active 148 DOM
16. 2026-09-03
    days on market $82,999 Active 147 DOM
17. 2026-08-31
    days on market $82,999 Active 144 DOM
18. 2026-08-29
    days on market $82,999 Active 142 DOM
19. 2026-08-28
    days on market $82,999 Active 141 DOM
20. 2026-08-27
    days on market $82,999 Active 140 DOM
21. 2026-08-26
    days on market $82,999 Active 139 DOM
22. 2026-08-25
    days on market $82,999 Active 138 DOM
23. 2026-08-24
    days on market $82,999 Active 137 DOM
24. 2026-08-23
    days on market $82,999 Active 136 DOM
25. 2026-08-22
    days on market $82,999 Active 135 DOM
26. 2026-08-21
    days on market $82,999 Active 134 DOM
27. 2026-08-20
    days on market $82,999 Active 133 DOM
28. 2026-08-19
    days on market $82,999 Active 132 DOM
29. 2026-08-18
    days on market $82,999 Active 131 DOM
30. 2026-08-17
    days on market $82,999 Active 130 DOM
31. 2026-08-16
    days on market $82,999 Active 129 DOM
32. 2026-08-15
    days on market $82,999 Active 128 DOM
33. 2026-08-14
    days on market $82,999 Active 127 DOM
34. 2026-08-13
    days on market $82,999 Active 126 DOM
35. 2026-08-12
    days on market $82,999 Active 125 DOM
36. 2026-08-11
    days on market $82,999 Active 124 DOM
37. 2026-08-10
    days on market $82,999 Active 123 DOM
38. 2026-08-09
    days on market $82,999 Active 122 DOM
39. 2026-08-08
    days on market $82,999 Active 121 DOM
40. 2026-08-07
    days on market $82,999 Active 120 DOM
41. 2026-08-06
    days on market $82,999 Active 119 DOM
42. 2026-08-05
    days on market $82,999 Active 118 DOM
43. 2026-08-04
    days on market $82,999 Active 117 DOM
44. 2026-08-03
    days on market $82,999 Active 116 DOM
45. 2026-07-31
    days on market $82,999 Active 113 DOM
46. 2026-07-30
    days on market $82,999 Active 112 DOM
47. 2026-07-30
    days on market $82,999 Active 111 DOM
48. 2026-07-28
    pricedays on market $82,999 Active 110 DOM
49. 2026-07-26
    days on market $79,999 Active 108 DOM
50. 2026-07-24
    days on market $79,999 Active 106 DOM

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

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 ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,223
• − Mortgage interest: −$4,649
• − Property taxes: −$1,245
• − Insurance: −$415
• − Repairs & maintenance: −$818
• − Management: −$818
• − Depreciation: −$2,415
• Taxable loss: −$136
• Est. tax savings @ 24.0%: +$33
• After-tax cash flow: $1,226/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.

Condition & rehab AI · 10 photos

Good 80/100 None rehab

This brand-new 880 square foot, 3-bedroom, 2-bath home offers a smart, efficient single-level layout with modern finishes and ample space for small families and first-time buyers.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and add value. ↑
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient. ↑

B Composite school gradezoned avg 74/100

Zoned Schools

Elementary Harrison Park El Sch A PA #89/1,518 Nat'l #2,202/41,679 High Penn Trafford Hs

Schools (NCES district)

• District: Penn-Trafford SD
• NCES district ID: 4218660
• Math proficiency: 60% ▼ -13.00%
• Reading proficiency: 78% ▼ -7.00%
• Median HH income: $68,988
• Composite: 60.28/100
• National rank: #855
• State rank: #27 of 539 in PA

D Composite livability gradescore 56/100

Livability — Penn

• Score: 56/100
• State rank: #1637
• US rank: #22584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Westmoreland · 342,555 people
• Metro: Pittsburgh, PA
• Population (ZIP): 1,259
• Household income: $71,970
• Rent vs Own: 16.7% rent · 83.3% own

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Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Black 1%
• Common ancestry: Romanian 9% Italian 4% Subsaharan African 3%
• Foreign-born: 3%
• Languages at home: 93% English-only · Russian/Polish/Slavic 5% Spanish 2%

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Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.57%
• Current HPI: 299.5257
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

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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

Property features AI

Finance

• Financial info: List price $79,999

Exterior

• Home design: Spec build named "The Borough"
• Construction: 880 living areaBuilt as a spec home
• Exterior features: Shake roof

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 bathrooms
• Interior features: Microwave