211 Short St · Whitaker, PA 15120

$44,000

3 bd · 1.5 ba · 1,656 sqft · SingleFamily public records · 22 Days on market

Built 1900 3,001 sqft lot $27/sqft · 74% below area ↓ 25% since listing

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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 +4.0/5.0
• Rent growth +3.5/5.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Calling all Investors! This Handyman special is in need of some TLC. This house will make a great addition to a portfolio with minor cosmetic updates. This is an As-Is Sale, buyer is responsible for their own due diligence.

Key facts

• 3,001 sq ft lot
• Garage
• Built 1900

Property features AI

Exterior

• Parking: Detached garage (1 parking space)
• Utilities: Public water; Public sewer
• Home design: Two-story frame home; Resale property
• Construction: Frame construction; Asphalt roof
• Exterior features: Small lot (approx. 0.069 acres)

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating (gas); Wall/window cooling units
• Interior features: Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $44k.

Deal economics

• At list price, monthly cash flow is $832 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $44k).
• Recommended offer: $43k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#256 in PA, #2,232 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, commute A+, cost of living A+; Watch: health & safety D+, amenities F.
• West Mifflin Area SD (suburban): math 19% / reading 41% proficiency, ranked #443 of 539 in PA (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: West Mifflin Area Ms (math 11% / reading 42%, grade F, #410 of 512 statewide, top 80%, 803 students, 100% FRL); West Mifflin Area Hs (math 52% / reading 24%, grade F, #281 of 437 statewide, top 65%, 936 students, 87% FRL) — zoned schools average 94% FRL vs 44% district-wide (50 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.1%/yr); 93 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 34% of the median local income ($56k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $304 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $12k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($43k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 4.2% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $43,340 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
6. 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.
7. 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: 3.55% ✓
• Cap rate: 28.97%
• Cash-on-cash: 81.01%
• DSCR: 4.60
• GRM: 2.3

CMA / ARV

• ARV (median comp): $166,505
• List price: $44,000
• Delta: -73.57%
• 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
144 W Schwab Ave	0.19mi	4/1.5 (+1)	1,540 (-7%)	3mo	$150,000	$97	72
3418 Duquesne Ave	0.59mi	3/1.5	1,688 (+2%)	1mo	$219,900	$130	69
156 Dahlia St	0.43mi	3/1.0	1,560 (-6%)	6mo	$191,900	$123	63
403 Oak St	0.29mi	3/2.0	1,450 (-12%)	1mo	$250,000	$172	63
3134 Virginia Ave	0.49mi	3/2.5	1,589 (-4%)	8mo	$159,900	$101	60
615 School St	0.44mi	4/2.0 (+1)	1,604 (-3%)	10mo	$195,960	$122	59
255 W Schwab Ave	0.35mi	3/2.0	1,476 (-11%)	6mo	$193,000	$131	59
238 E 19th	0.74mi	3/1.5	1,600 (-3%)	3mo	$45,000	$28	57
122 Whitaker St	0.07mi	4/2.0 (+1)	1,414 (-15%)	11mo	$207,000	$146	57
109 Vine St	0.33mi	2/1.5 (-1)	1,444 (-13%)	4mo	$110,000	$76	54
147 Lea St	0.75mi	3/2.0	1,836 (+11%)	6mo	$90,000	$49	40
891 Munn St	0.73mi	2/1.0 (-1)	1,464 (-12%)	9mo	$10,000	$7	32

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 · 4.06% rent growth · sell at horizon

5-year hold

• IRR: 82.6%
• Equity multiple: 4.86×
• Total profit: $47,610
• Equity at exit: $6,561

10-year hold

• IRR: 86.2%
• Equity multiple: 10.50×
• Total profit: $117,074
• Equity at exit: $3,804

Cash invested: $12,320 (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 15120

• Home prices YoY: -16.9%
• Rents YoY: 4.1%
• Active inventory: 93
• Price-to-rent: 2.3×

Monthly cashflow live

• Estimated rent: $1,563 high
• Mortgage (P&I): −$231
• Tax from tax record: −$154 /mo · $1,853/yr
• Insurance: −$18
• HOA: −$0
• Vacancy / Maint / Mgmt: −$328
• Net cashflow: $832

Break-even live

Break-even rent $511

Max offer price $44,000

Occupancy floor 42%

Sensitivity live

Price	-10% $857	-5% $844	+0% $832	+5% $819	+10% $807
Rent	-10% $708	-5% $770	+0% $832	+5% $893	+10% $955
Rate	-1.0pp $854	-0.5pp $843	base $832	+0.5pp $820	+1.0pp $809

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: $11,000
• Closing costs: $1,320
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
931 Hilltop St Homestead, PA	3.0	1.5	1312	$1,500	$1.14	16d	1	0.56mi
308 Lea St Homestead, PA	4.0	2.0	1480	$1,490	$1.01	5d	1	0.68mi
218 Mary St Homestead, PA	3.0	1.0	1776	$1,400	$0.79	23d	1	0.69mi
623 E 18th Ave Homestead, PA	2.0	1.0	1156	$1,600	$1.38	45d	1	0.72mi
212 Kenmawr Ave Braddock, PA	2.0	1.5	1417	$1,300	$0.92	45d	1	0.88mi
621 E 9th Ave Homestead, PA	2.0	2.0	1400	$1,425	$1.02	25d	1	0.98mi
537 6th St Braddock, PA	3.0	1.0	1360	$1,400	$1.03	45d	1	1.17mi
300 W 13th Ave Unit 302 Homestead, PA	2.0	1.0	1088	$1,150	$1.06	18d	1	1.22mi
300 W 13th Ave Homestead, PA	2.0	1.0	1088	$1,125	$1.03	18d	1	1.22mi
335 Commonwealth Ave West Mifflin, PA	2.0	2.0	1536	$2,500	$1.63	45d	1	1.29mi
3305 W Run Rd Munhall, PA	2.0	1.0	1100	$1,365	$1.24	25d	1	1.34mi
611 E Waterfront Dr Homestead, PA	1.0–2.0	1.0–2.5	1149	$2,605	$2.27	0d	9	1.38mi
1254 Edgewood Dr Homestead, PA	3.0	1.0	1144	$1,725	$1.51	45d	1	1.41mi
7645 Highland Ave Pittsburgh, PA	3.0	1.0	1161	$1,325	$1.14	9d	1	1.41mi
7009 Church St Pittsburgh, PA	3.0	2.0	1800	$1,550	$0.86	45d	1	1.46mi
2219 Manor Ave Pittsburgh, PA	3.0	1.0	1638	$1,600	$0.98	25d	1	1.47mi

Listing history 4 events

1. 2026-05-12
   status Pending 223-char remark
2. 2026-04-27
   price $44,000 223-char remark
3. 2026-04-22
   price $49,000 223-char remark
4. 2026-04-20
   listed $59,000 Active 223-char remark

ⓘ 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: $1,853 · $154/mo
• Projected year-2 tax: $1,853 · $154/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 6/10 Major FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,762
• − Mortgage interest: −$2,465
• − Property taxes: −$1,853
• − Insurance: −$220
• − Repairs & maintenance: −$1,501
• − Management: −$1,501
• − Depreciation: −$1,280
• Taxable income: $9,942
• Est. tax owed @ 24.0%: −$2,386
• After-tax cash flow: $7,594/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: West Mifflin Area SD
• NCES district ID: 4225680
• Math proficiency: 19% ▼ -19.00%
• Reading proficiency: 41% ▼ -14.00%
• Median HH income: $46,532
• Composite: 25.78/100
• National rank: #7371
• State rank: #443 of 539 in PA

Livability — Whitaker

• Score: 79/100
• State rank: #256
• US rank: #2232

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Whitaker, PA
• County: Allegheny County · 1,022,028 people
• Metro: Pittsburgh, PA
• Population (ZIP): 18,029
• Household income: $55,714
• Rent vs Own: 36.8% rent · 63.2% own
• Severe rent burden: 669.0

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 (74%)
• Race & ethnicity: White 74% Black 20% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 1% Scotch-Irish 1%
• Foreign-born: 3% · South Korea, Canada
• Languages at home: 95% English-only · Spanish 3% Russian/Polish/Slavic 1%

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: ▼ -59.52%
• Current HPI: 292.5607
• Rent YoY: ▲ 4.06%
• Metro: Pittsburgh, PA
• 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

-25.4% since first listed

4 events — show timeline

• 2026-05-12 Pending — West Penn MLS
• 2026-04-27 Price Changed $44,000 West Penn MLS
• 2026-04-22 Price Changed $49,000 West Penn MLS
• 2026-04-20 Listed $59,000 West Penn MLS

Property tax history

+1.4%/yr

Latest (2026): $1,853 · +1.6% YoY. Source: county tax records.