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745 19th St
A Composite 89.07
Why this score? — see what drove the A 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
  • Appreciation +10.0/10.0
  • Rent growth +4.7/5.0
  • Schools +4.1/10.0
  • Livability +3.0/5.0
  • Condition / age +2.2/5.0

$65,000

745 19th St · Niagara Falls, NY 14301
4 bd · 1.0 ba · 928 sqft · SingleFamily public records · 34 Days on market
Built 1905 Fair condition 3,366 sqft lot $70/sqft · 44% below area Est $116k · 44% under

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

Listing remarks MLS

Opportunity awaits at 745 19th Street in Niagara Falls! This affordable property offers plenty of potential for investors, or handy homeowners looking to build equity. Being sold in as-is condition, the home needs some TLC but provides a great chance to add value at an attractive price point. With low property taxes and strong income potential, this could be a true cash-flowing investment for the right buyer. Whether you're looking to expand your rental portfolio or take on your next renovation project, don't miss this value-packed opportunity.

Key facts

  • Local amenities
  • Move in ready
  • 3,366 sq ft lot

Tags

AIRBNB ZONING APPROVALMOVE IN READYLOCAL AMENITIES

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.0-bath single-family listed at $65k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $572 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $65k).
  • Recommended offer: $63k (3.0% below list) — sets the bar for market timing.
  • Cap rate 16.9% vs local median 8.0% in Niagara Falls — 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 60/100 on livability (#956 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
  • Niagara Falls City School District (urban): math 26% / reading 34% proficiency, ranked #578 of 590 in NY (top 98%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Harry F Abate Elementary School (math 16% / reading 32%, grade F, #1,909 of 2,108 statewide, top 91%, 695 students, 82% FRL); Gaskill Preparatory School (math 10% / reading 22%, grade F, #702 of 729 statewide, top 96%, 500 students, 78% FRL); Niagara Falls High School (math 75% / reading 92%, grade A, #409 of 1,100 statewide, top 39%, 2,139 students, 71% FRL).
  • Market conditions: Rents rising fast (+8.8%/yr); 256 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 111d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 88% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 167 units permitted in Niagara County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $7k of equity ($449 loan paydown + $6k appreciation (10.0% local appreciation)).
  • Niagara County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (10.0% appreciation + 8.0% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.
  • By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 34 days — a 3% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts 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.
  • Current owner paid $42k; list at $65k implies a 55% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: property tax is 2.9% of price; built in 1905 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $63,050 (3.0% below list)

Questions for the listing agent

  1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% 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 1905 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
2.14%
Cap rate
16.85%
Cash-on-cash
37.72%
DSCR
2.68
GRM
3.9

CMA / ARV

ARV (median comp)
$116,223
List price
$65,000
Delta
-44.07%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
745 19th St 0.00mi 3/1.0 (-1) 928 (0%) 2mo $42,000 $45 94
2205 La Salle Ave 0.27mi 3/1.0 (-1) 1,040 (+12%) 2mo $96,000 $92 60
1157 La Salle Ave 0.51mi 3/1.0 (-1) 992 (+7%) 2mo $111,000 $112 58
422 21st St 0.50mi 3/1.0 (-1) 992 (+7%) 8mo $136,000 $137 53
1145 Whitney Ave 0.55mi 3/1.5 (-1) 992 (+7%) 4mo $105,100 $106 53
544 30th St 0.69mi 3/1.0 (-1) 964 (+4%) 6mo $62,000 $64 51
2479 Forest Ave 0.43mi 3/1.0 (-1) 1,008 (+9%) 13mo $160,000 $159 50
609 25th St 0.40mi 3/2.0 (-1) 1,040 (+12%) 5mo $158,000 $152 48
2475 La Salle Ave 0.46mi 3/2.0 (-1) 1,024 (+10%) 9mo $129,320 $126 44
1133 Whitney Ave 0.57mi 3/1.0 (-1) 1,057 (+14%) 6mo $76,100 $72 41
1923 Cudaback Ave 0.73mi 3/2.0 (-1) 1,008 (+9%) 5mo $143,000 $142 38
1962 Falls St 0.65mi 3/1.0 (-1) 1,040 (+12%) 10mo $76,000 $73 36

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

Projected returns pro-forma

10.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold
IRR
57.0%
Equity multiple
5.35×
Total profit
$79,247
Equity at exit
$58,557
10-year hold
IRR
52.8%
Equity multiple
13.26×
Total profit
$223,044
Equity at exit
$126,281

Cash invested: $18,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
15 Strongly Tenant-Friendly
State New York
15 Strongly Tenant-Friendly · D+10
County
— inherits STATE
City
— inherits STATE
NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
29 active · 22 under contract
Months of supply
8.7 mo (11%/mo absorbed)
Median asking
$95,000 ($91/sqft)
Median days on market
51 d
This list price
21% of active listings are priced below it
ARV vs active asking
+37.4% above current asking $/sqft

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

ZIP-level market 14301

Home prices YoY
6.2%
Rents YoY
8.8%
Active inventory
256
Price-to-rent
3.9×

Monthly cashflow live

Estimated rent
$1,390 high interval (Pro) →
Mortgage (P&I)
$341
Tax from tax record
$158 /mo · $1,893/yr
Insurance
$27
HOA
$0
Vacancy / Maint / Mgmt
$292
Net cashflow
$572

Break-even live

Break-even rent $665
Max offer price $65,000
Occupancy floor 54%

Sensitivity live

Price -10% $609 -5% $590 +0% $572 +5% $554 +10% $535
Rent -10% $462 -5% $517 +0% $572 +5% $627 +10% $682
Rate -1.0pp $605 -0.5pp $589 base $572 +0.5pp $555 +1.0pp $538

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
$16,250
Closing costs
$1,950
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 8 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
754 15th St Niagara Falls, NY 3.0 1.0 990 $1,100 $1.11 119d 1 0.26mi
531 24th St Unit 531 Niagara Falls, NY 4.0 1.0 1021 $1,500 $1.47 10d 1 0.40mi
1427 Fort Ave Unit 2 Niagara Falls, NY 3.0 1.0 1058 $950 $0.90 139d 1 0.49mi
420 25th St Niagara Falls, NY 3.0 1.0 1101 $1,500 $1.36 139d 1 0.60mi
456 27th St Niagara Falls, NY 3.0 1.0 1058 $1,500 $1.42 71d 1 0.63mi
2727 Monroe Ave Niagara Falls, NY 3.0 1.0 960 $1,500 $1.56 106d 1 0.73mi
3036 Welch Ave Niagara Falls, NY 3.0 1.0 1000 $1,500 $1.50 85d 1 0.95mi
3340 Simmons Ave Niagara Falls, NY 3.0 1.0 1008 $1,550 $1.54 110d 1 1.14mi

Property features AI

Exterior

Parking
No garage
Utilities
Public water connectedSewer connected
Home design
Single-story propertyExisting construction
Construction
Aluminum siding and frame constructionStone foundation
Exterior features
Blacktop drivewayNear public transitRectangular residential lot (25 x 134)

Interior

Kitchen
Eat-in kitchen
Bedrooms
Three main-level bedrooms
Flooring
Ceramic tileHardwoodLaminateVaried flooring
Bathrooms
One full bathroom (main level)
Heating & cooling
Forced air gas heatingHeating present (see remarks)
Interior features
Eat-in kitchenSeparate/formal living roomOther interior features (see remarks)Full basement
Laundry & utility
Laundry in basementGas water heater

Listing history 46 events

  1. 2026-09-24
    days on market $65,000 Active 34 DOM
  2. 2026-09-23
    days on market $65,000 Active 33 DOM
  3. 2026-09-22
    days on market $65,000 Active 32 DOM
  4. 2026-09-21
    days on market $65,000 Active 31 DOM
  5. 2026-09-20
    days on market $65,000 Active 30 DOM
  6. 2026-09-19
    days on market $65,000 Active 29 DOM
  7. 2026-09-18
    days on market $65,000 Active 28 DOM
  8. 2026-09-17
    days on market $65,000 Active 27 DOM
  9. 2026-09-16
    days on market $65,000 Active 26 DOM
  10. 2026-09-15
    days on market $65,000 Active 25 DOM
  11. 2026-09-14
    days on market $65,000 Active 24 DOM
  12. 2026-09-13
    days on market $65,000 Active 23 DOM
  13. 2026-09-12
    days on market $65,000 Active 22 DOM
  14. 2026-09-11
    days on market $65,000 Active 21 DOM
  15. 2026-09-05
    days on market $65,000 Active 15 DOM
  16. 2026-09-04
    days on market $65,000 Active 14 DOM
  17. 2026-09-03
    days on market $65,000 Active 13 DOM
  18. 2026-08-31
    days on market $65,000 Active 10 DOM
  19. 2026-08-29
    days on market $65,000 Active 8 DOM
  20. 2026-08-28
    days on market $65,000 Active 7 DOM
  21. 2026-08-27
    days on market $65,000 Active 6 DOM
  22. 2026-08-25
    days on market $65,000 Active 4 DOM
  23. 2026-08-24
    days on market $65,000 Active 3 DOM
  24. 2026-08-23
    days on market $65,000 Active 2 DOM
  25. 2026-08-21
    remarks 477-char remark
  26. 2026-08-21
    pricestatusdays on marketlisting id $65,000 Active 1 DOM
  27. 2026-07-03
    status $49,900 Pending 25 DOM
    Show marketing remark (550 chars)

    Opportunity awaits at 745 19th Street in Niagara Falls! This affordable property offers plenty of potential for investors, or handy homeowners looking to build equity. Being sold in as-is condition, the home needs some TLC but provides a great chance to add value at an attractive price point. With low property taxes and strong income potential, this could be a true cash-flowing investment for the right buyer. Whether you're looking to expand your rental portfolio or take on your next renovation project, don't miss this value-packed opportunity.

  28. 2026-07-03
    days on market $49,900 Active 25 DOM
    Show marketing remark (550 chars)

    Opportunity awaits at 745 19th Street in Niagara Falls! This affordable property offers plenty of potential for investors, or handy homeowners looking to build equity. Being sold in as-is condition, the home needs some TLC but provides a great chance to add value at an attractive price point. With low property taxes and strong income potential, this could be a true cash-flowing investment for the right buyer. Whether you're looking to expand your rental portfolio or take on your next renovation project, don't miss this value-packed opportunity.

  29. 2026-07-02
    days on market $49,900 Active 24 DOM
  30. 2026-07-01
    days on market $49,900 Active 23 DOM
  31. 2026-06-30
    days on market $49,900 Active 22 DOM
  32. 2026-06-29
    days on market $49,900 Active 21 DOM
  33. 2026-06-28
    days on market $49,900 Active 20 DOM
  34. 2026-06-27
    days on market $49,900 Active 19 DOM
  35. 2026-06-27
    days on market $49,900 Active 18 DOM
  36. 2026-06-25
    days on market $49,900 Active 16 DOM
  37. 2026-06-22
    pricedays on market $49,900 Active 14 DOM
    Show marketing remark (550 chars)

    Opportunity awaits at 745 19th Street in Niagara Falls! This affordable property offers plenty of potential for investors, or handy homeowners looking to build equity. Being sold in as-is condition, the home needs some TLC but provides a great chance to add value at an attractive price point. With low property taxes and strong income potential, this could be a true cash-flowing investment for the right buyer. Whether you're looking to expand your rental portfolio or take on your next renovation project, don't miss this value-packed opportunity.

  38. 2026-06-21
    days on market $54,900 Active 13 DOM
  39. 2026-06-18
    days on market $54,900 Active 10 DOM
  40. 2026-06-17
    days on market $54,900 Active 9 DOM
  41. 2026-06-16
    days on market $54,900 Active 8 DOM
  42. 2026-06-15
    days on market $54,900 Active 7 DOM
  43. 2026-06-13
    days on market $54,900 Active 5 DOM
  44. 2026-06-13
    days on market $54,900 Active 4 DOM
  45. 2026-06-10
    days on market $54,900 Active 2 DOM
  46. 2026-06-08
    listed $54,900 Active 1 DOM
    Show marketing remark (550 chars)

    Opportunity awaits at 745 19th Street in Niagara Falls! This affordable property offers plenty of potential for investors, or handy homeowners looking to build equity. Being sold in as-is condition, the home needs some TLC but provides a great chance to add value at an attractive price point. With low property taxes and strong income potential, this could be a true cash-flowing investment for the right buyer. Whether you're looking to expand your rental portfolio or take on your next renovation project, don't miss this value-packed opportunity.

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

Tax reassessment forecast NY · Partial reset (capped growth)

Current annual tax
$1,893 · $158/mo
Projected year-2 tax
$1,893 · $158/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ 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 ≥94°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$16,675
− Mortgage interest
−$3,641
− Property taxes
−$1,893
− Insurance
−$325
− Repairs & maintenance
−$1,334
− Management
−$1,334
− Depreciation
−$1,891
Taxable income
$6,257
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,502
After-tax cash flow
$5,363/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 · 2 photos

Fair 45/100 Moderate rehab Est. rehab $23,200–$41,760 screening

This property requires significant repairs and maintenance, including re-roofing, repainting, and landscaping, to improve its condition and value.

Components & finishes AI

Roof asphalt shingle · good

Deferred maintenance Est. $2,000–$8,000 screening

  • Minor Roof (roof) — No visible signs of damage or wear on the roof.
  • Minor Windows (windows) — No visible signs of damage or wear on the windows.
  • Minor Electrical (electrical) — No visible signs of damage or wear on the electrical components.
  • Minor Exterior (exterior) — No visible signs of damage or wear on the exterior.

Repairs flagged

  • Major roof — Signs of wear and discoloration suggest significant damage and potential water infiltration.
  • Major siding — Peeling and chipping paint indicate a need for replacement or repainting.
  • Major flooring — Worn and possibly damaged flooring requires replacement or repair.
  • Major interior walls — Signs of wear and discoloration suggest a need for repainting or repair.
  • Major landscaping — Overgrown and unkempt landscaping detracts from the property's curb appeal and requires trimming and planting.
  • Major HVAC condensers — Old and possibly malfunctioning condensers require maintenance or replacement to ensure proper functioning.
  • Minor windows — While in good condition, cleaning or minor repairs may be needed to maintain their appearance.

Value-add opportunities

  • Both Painting the exterior siding and repainting interior walls — Fresh paint can significantly improve the curb appeal and interior aesthetics, making the property more attractive to potential buyers or renters.
  • Both Re-roofing the house — A new roof will prevent water damage and improve the overall structural integrity of the home, enhancing its value.
  • Both Replacing HVAC condensers — A functioning HVAC system is essential for comfort and energy efficiency, which are key factors in both resale and rental markets.
  • Both Landscaping and trimming the yard — A well-maintained yard can increase the property's curb appeal and attract more potential buyers or renters.

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 41/100

Zoned Schools

Elementary Harry F Abate Elementary School F NY #1,909/2,108 Nat'l #31,434/41,679 Middle Gaskill Preparatory School F NY #702/729 Nat'l #12,486/14,009 High Niagara Falls High School A NY #409/1,100 Nat'l #817/17,239

Schools (NCES district)

District
Niagara Falls City School District
NCES district ID
3620820
Math proficiency
26% ▼ -10.00%
Reading proficiency
34% ▲ 3.00%
Median HH income
$32,488
Composite
24.5/100
National rank
#7655
State rank
#578 of 590 in NY
C Composite livability gradescore 60/100

Livability — Niagara Falls

Score
60/100
State rank
#956
US rank
#18749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Niagara Falls, NY
County
Niagara County · 204,149 people
City population
62,983
Metro
Buffalo-Cheektowaga, NY
Population (ZIP)
10,923
Household income
$34,549
Rent vs Own
54.1% rent · 45.9% own
Severe rent burden
16% of renters

Population outlook (Niagara County) Hauer SSP2

Today (2025)
204,149 people
By 2030
197,900 · -3.1%
By 2040
182,239 · -10.7%
By 2050
165,198 · -19.1%
By 2075
129,416 · -36.6%
By 2100
96,222 · -52.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.58)
Race & ethnicity
White 59% Black 25% Two or more races 8% Hispanic / Latino 8% Asian 2%
Hispanic origin (detail)
Puerto Rican 3% Cuban 2%
Common ancestry
Romanian 6% Slovak 2% Lithuanian 1%
Foreign-born
5% · Canada, China, Dominican Republic
Languages at home
90% English-only · Spanish 6% Other Indo-European 3% Chinese 1%

Political lean MEDSL · Niagara

2024 margin
R (+14.9) · D 42.5% · R 57.5%
2008→2024 swing
-15.9pp toward R · 2008: 1.0pp · 2024: -14.9pp
All cycles
2024: R+14.9 2020: R+9.7 2016: R+19.0 2012: D+0.6 2008: D+1.0

Not yet ingested

Civics

Price history

+18.4% since first listed
5 events — show timeline
  • 2026-08-21 Listed $65,000 WNYREIS
  • 2026-08-06 Sold (MLS) $42,000 WNYREIS
  • 2026-07-03 Pending WNYREIS
  • 2026-06-22 Price Changed $49,900 WNYREIS
  • 2026-06-08 Listed $54,900 WNYREIS

Property tax history

+15.4%/yr

Latest (2026): $1,893 · +0.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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