1 bd · 1.0 ba ·
528 sqft ·
Built 2026
· Manufactured
· Active
· 152 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$826/mo
Mortgage (P&I)
−$141
Tax + insurance
−$45
HOA
−$0
Vac / Maint / Mgmt
−$174
Net cashflow
$467/mo
Annual
$5,603/yr
Cap rate
27.12%
Cash-on-cash
74.39%
DSCR
4.31
1% rule
3.07%
Cash to close
$7,532
Investor read
This is a 1-bed/1.0-bath manufactured listed at $27k. Condition is rated good.
At list price, monthly cash flow is $467 ($6k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($826 rent vs $27k).
It's been on market 152 days — a 12% lower offer ($24k) is reasonable based on typical stale-listing flexibility.
Recommended offer: $24k (12.0% below list) — sets the bar for market timing.
Local home prices are declining (-3.0%/yr); year-one equity from $186 of loan paydown is wiped out by about $807 of value loss. Plan a longer hold.
Location reads 66/100 on livability (#1,074 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, employment D, amenities F.
Trinity Area SD (suburban): math 39% / reading 61% proficiency, ranked #172 of 539 in PA (top 32%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
Market conditions: Rents rising (+3.4%/yr); 165 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).
Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
At projected returns (-3.0% appreciation + 3.4% rent growth), your $8k cash investment doubles in ~2 years — after that, you're playing with house money.
This rent is only 14% of the median local income ($70k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.
Questions for listing agent
It's been on market 152 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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.
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.
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.
CashFlowRE · CFR-V8TG0R1ZFX8SZS
· Data 1 week agocashflowre.app · 2026-05-29