910 Lincoln Ave · Plum, PA 15024

$85,000

3 bd · 1.0 ba · 1,815 sqft · SingleFamily public records · 5 Days on market

Built 1920 4,199 sqft lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Investor Special – Endless Potential in Cheswick! Attention investors, flippers, and renovation enthusiasts! This spacious two-story home is ready for its next chapter. Featuring generous room sizes, original character, and a covered front porch, this property offers an excellent opportunity to restore and add value. The home requires significant updates and is being sold strictly as-is, making it ideal for a full renovation project. Conveniently located in the Allegheny Valley School District with easy access to Route 28, shopping, dining, and Pittsburgh. Whether you're looking for your next fix-and-flip, rental property, or value-add investment, this property has the bones and sq

Key facts

• 4,199 sq ft lot
• Built 1920
• Listed 5 days

Property features AI

Finance

• Financial info: Annual property tax around $725

Exterior

• Utilities: Public water; Public sewer
• Home design: 2-story frame house
• Construction: Frame construction
• Exterior features: Small yard on a roughly 0.096-acre lot; Resale condition

Interior

• Flooring: Carpet; Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced-air gas heating
• Interior features: Carpet and hardwood flooring

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $839 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $85k).
• Cap rate 18.1% vs local median 4.0% in Plum — 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 71/100 on livability (#730 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Allegheny Valley SD (suburban): math 29% / reading 53% proficiency, ranked #341 of 539 in PA (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Acmetonia El Sch (math 26% / reading 56%, grade F, #932 of 1,518 statewide, top 62%, 484 students, 100% FRL); Springdale Jshs (math 32% / reading 47%, grade F, #265 of 437 statewide, top 63%, 387 students, 94% FRL) — zoned schools average 97% FRL vs 36% district-wide (61 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 32 active listings in the ZIP; 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 $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $29k; list at $85k implies a 193% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 8→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $85,000

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-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?
4. 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.
5. 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.
6. 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: 2.06% ✓
• Cap rate: 18.14%
• Cash-on-cash: 42.32%
• DSCR: 2.88
• GRM: 4.1

CMA / ARV

• ARV (on-the-fly): $255,915
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1425 Freeport Rd	0.39mi	3/2.0	1,979 (+9%)	4mo	$187,000	$94	59
139 Pearl Ave	0.10mi	3/3.0	1,562 (-14%)	14mo	$190,000	$122	52
114 Pillow Ave	0.61mi	4/2.0 (+1)	1,850 (+2%)	11mo	$260,000	$141	50
210 Acme Ave	0.15mi	3/2.0	1,581 (-13%)	22mo	$160,000	$101	49
8 Harmar Dr	0.75mi	3/1.5	1,542 (-15%)	10mo	$245,000	$159	30
1215 Linden St	0.71mi	3/3.0	1,564 (-14%)	22mo	$227,000	$145	18

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 39.0%
• Equity multiple: 2.67×
• Total profit: $39,681
• Equity at exit: $12,674

10-year hold

• IRR: 45.4%
• Equity multiple: 5.34×
• Total profit: $103,381
• Equity at exit: $7,349

Cash invested: $23,800 (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 15024

• Home prices YoY: -9.2%
• Active inventory: 32
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,748 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$60 /mo · $725/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $839

Break-even live

Break-even rent $686

Max offer price $85,000

Occupancy floor 47%

Sensitivity live

Price	-10% $887	-5% $863	+0% $839	+5% $815	+10% $791
Rent	-10% $701	-5% $770	+0% $839	+5% $908	+10% $977
Rate	-1.0pp $882	-0.5pp $861	base $839	+0.5pp $817	+1.0pp $795

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-06-21
   days on market $85,000 Active 5 DOM
2. 2026-06-18
   days on market $85,000 Active 2 DOM
3. 2026-06-16
   remarks 693-char remark
4. 2026-06-16
   listed $85,000 Active 1 DOM

ⓘ 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: $725 · $60/mo
• Projected year-2 tax: $1,034 · $86/mo
• Expected delta: +$309/yr (+$26/mo · 42.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 66% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,976
• − Mortgage interest: −$4,761
• − Property taxes: −$725
• − Insurance: −$425
• − Repairs & maintenance: −$1,678
• − Management: −$1,678
• − Depreciation: −$2,473
• Taxable income: $9,236
• Est. tax owed @ 24.0%: −$2,217
• After-tax cash flow: $7,855/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: Allegheny Valley SD
• NCES district ID: 4202190
• Math proficiency: 29% ▼ -15.00%
• Reading proficiency: 53% ▼ -13.00%
• Median HH income: $48,049
• Composite: 35.04/100
• National rank: #5037
• State rank: #341 of 539 in PA

Livability — Plum

• Score: 71/100
• State rank: #730
• US rank: #7292

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 21,414
• Population (ZIP): 9,192

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 (92%)
• Race & ethnicity: White 92% Asian 3% Two or more races 3% Black 2%
• Common ancestry: Romanian 11% Italian 2% Lithuanian 2%
• Foreign-born: 5% · China, Canada
• Languages at home: 94% English-only · Chinese 2% Other Indo-European 2%

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: ▼ -25.38%
• Current HPI: 248.9181
• Rent YoY: —
• Metro: —
• 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

+193.1% since first listed

2 events — show timeline

• 2026-06-16 Listed $85,000 West Penn MLS
• 2001-12-18 Sold (Public Records) $29,000 Public Records

Property tax history

-0.0%/yr

Latest (2026): $725 · +1.8% YoY. Source: county tax records.