357B Rosser Ave · Bellaire, OH 43906

$68,000

2 bd · 1.0 ba · 784 sqft · SingleFamily · 100 Days on market

Built 1912 Fair condition 3,628 sqft lot $87/sqft · 20% below area Est $85k · 20% under

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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 +27.3/30.0
• ARV discount +15.0/15.0
• DSCR +9.5/10.0
• 1% rule +7.4/10.0
• Appreciation +5.9/10.0
• Schools +5.5/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Cute 2-bedroom, 1-bath home in Bellaire offering comfortable living just minutes from town. Currently tenant-occupied on a month-to-month lease, with a reliable tenant in place since September 2024 who would love to stay long-term. This cozy home features a fenced-in backyard and several recent updates, including a furnace and hot water tank within the last three years. Roof was replaced approximately 8 years ago, with a front patch scheduled for repair by the seller. A great opportunity for investors looking to add an already cash-flowing property to their portfolio.

Key facts

• Hot water tank
• Electric furnace
• Fenced-in backyard

Tags

• FENCED-IN BACKYARD
• ELECTRIC FURNACE
• HOT WATER TANK
• ROOF REPLACED

🏷️ Possibly a rental listed for sale. The $68,000 price doesn't fit this home's estimated sale value (~$85,067) 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 single-family listed at $68k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $197 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($844 rent vs $68k).
• Recommended offer: $62k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#535 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, amenities F, commute F.
• Bellaire Local (rural): math 73% / reading 56% proficiency, ranked #430 of 802 in OH (top 54%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 26 active listings in the ZIP; lower-income renter base — watch delinquency; 4 units permitted in Belmont County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($470 loan paydown + $1k appreciation (1.8% local appreciation)).
• Belmont County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.8% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($62k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1912 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $61,880 (9.0% below list)

Questions for the listing agent

1. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1912 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.24% ✓
• Cap rate: 9.77%
• Cash-on-cash: 12.41%
• DSCR: 1.55
• GRM: 6.7

CMA / ARV

• ARV (median comp): $85,067
• List price: $68,000
• Delta: -20.06%
• Verdict: UNDERPRICED
• Comps: 12 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4515 Harrison St	0.45mi	2/1.0	886 (+13%)	0mo	$8,000	$9	57
3515 Franklin St	0.40mi	3/1.0 (+1)	828 (+6%)	23mo	$53,000	$64	48

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

Projected returns pro-forma

1.79% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 16.3%
• Equity multiple: 1.87×
• Total profit: $16,498
• Equity at exit: $26,053

10-year hold

• IRR: 18.8%
• Equity multiple: 3.45×
• Total profit: $46,739
• Equity at exit: $36,935

Cash invested: $19,040 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 43906

• Home prices YoY: 1.1%
• Active inventory: 26
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $844 medium
• Mortgage (P&I): −$357
• Tax est. 1.5%: −$85 /mo · $1,020/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$177
• Net cashflow: $197

Break-even live

Break-even rent $595

Max offer price $68,000

Occupancy floor 72%

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: $17,000
• Closing costs: $2,040
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-19
   days on market $68,000 Active 100 DOM
2. 2026-06-18
   days on market $68,000 Active 99 DOM
3. 2026-06-17
   days on market $68,000 Active 98 DOM
4. 2026-06-16
   days on market $68,000 Active 97 DOM
5. 2026-06-15
   days on market $68,000 Active 96 DOM
6. 2026-06-14
   days on market $68,000 Active 94 DOM
7. 2026-06-12
   days on market $68,000 Active 93 DOM
8. 2026-06-09
   days on market $68,000 Active 90 DOM
9. 2026-06-08
   days on market $68,000 Active 89 DOM
10. 2026-06-07
    days on market $68,000 Active 88 DOM
11. 2026-06-02
    days on market $68,000 Active 83 DOM
12. 2026-06-01
    days on market $68,000 Active 82 DOM
13. 2026-05-31
    days on market $68,000 Active 81 DOM
14. 2026-05-30
    days on market $68,000 Active 80 DOM
15. 2026-03-11
    listed $68,000 Active 574-char remark

    Show marketing remark (574 chars)

    Cute 2-bedroom, 1-bath home in Bellaire offering comfortable living just minutes from town. Currently tenant-occupied on a month-to-month lease, with a reliable tenant in place since September 2024 who would love to stay long-term. This cozy home features a fenced-in backyard and several recent updates, including a furnace and hot water tank within the last three years. Roof was replaced approximately 8 years ago, with a front patch scheduled for repair by the seller. A great opportunity for investors looking to add an already cash-flowing property to their portfolio.

ⓘ 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 ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,130
• − Mortgage interest: −$3,809
• − Property taxes: −$1,020
• − Insurance: −$340
• − Repairs & maintenance: −$810
• − Management: −$810
• − Depreciation: −$1,978
• Taxable income: $1,362
• Est. tax owed @ 24.0%: −$327
• After-tax cash flow: $2,037/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 · 13 photos

Fair 45/100 Moderate rehab

This home requires moderate repairs and maintenance, including painting and updating the bathroom. It has potential for significant value increase with these improvements.

Repairs flagged

• Moderate Siding — Weathered and needs repainting
• Moderate Paint — Chipped in some areas
• Major Bathroom — Tiles and fixtures appear old and worn

Value-add opportunities

• Both Painting and repainting the exterior and interior — Enhances curb appeal and interior aesthetics
• Both Replacing the bathroom fixtures and tiles — Improves functionality and aesthetics
• Both Reconditioning the flooring — Enhances the overall look and feel of the home

Renovation cost estimate screening

Repair item	Severity	Est. cost
Siding · Weathered and needs repainting	Moderate	$3,000–15,000
Paint · Chipped in some areas	Moderate	$3,000–15,000
Bathroom · Tiles and fixtures appear old and worn	Major	$15,000–50,000
Total estimated repair cost · 3 items		$21,000–80,000

Value-add ROI direction

• Both Painting and repainting the exterior and interior — Enhances curb appeal and interior aesthetics ↑
• Both Replacing the bathroom fixtures and tiles — Improves functionality and aesthetics ↑
• Both Reconditioning the flooring — Enhances the overall look and feel of the home ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Bellaire Local
• NCES district ID: 3904357
• Math proficiency: 73% ▲ 5.00%
• Reading proficiency: 56% ▼ -3.00%
• Median HH income: $37,307
• Composite: 55.05/100
• National rank: #2773
• State rank: #430 of 802 in OH

Livability — Bellaire

• Score: 69/100
• State rank: #535
• US rank: #9051

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellaire, OH
• County: Belmont · 63,139 people
• Metro: Wheeling, WV-OH
• Population (ZIP): 7,888
• Household income: $41,635
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 5.6

Population outlook (Belmont County) Hauer SSP2

• Today (2025): 66,568 people
• By 2030: 64,818 · -2.6%
• By 2040: 60,702 · -8.8%
• By 2050: 56,427 · -15.2%
• By 2075: 46,222 · -30.6%
• By 2100: 34,611 · -48.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 5% Black 4%
• Common ancestry: Romanian 5% Slovak 2% Iranian 2%
• Foreign-born: 1%

Political lean MEDSL · Belmont

• 2024 margin: Solid R (+47.3) · D 26.0% · R 73.3%
• 2008→2024 swing: -50.0pp toward R · 2008: 2.7pp · 2024: -47.3pp
• All cycles: 2024: R+47.3 2020: R+43.6 2016: R+39.5 2012: R+8.4 2008: D+2.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.79%
• Current HPI: 159.8031
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

1 event — show timeline

• 2026-03-11 Listed $68,000 MLSNOW