907 W Mulberry St · Fairview-Ferndale, PA 17866

$43,000

2 bd · 1.0 ba · 659 sqft · Townhouse · 6 Days on market

Built 1910 1,742 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
• Appreciation +4.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks MLS

Cozy 2 Bedroom Coal Township Row Home. This Home has Basement Bath, LR, Kitchen, 2 Bedrooms, and Attic, other features include yard and off-street parking. Call/Text Rich at 570-274-2566 for an Appt.

Key facts

• Attic
• Porch
• Yard

Tags

• NEW GAS FURNACE
• OFF-STREET PARKING
• PORCH
• YARD
• ATTIC
• BASEMENT BATHROOM

Property features AI

Exterior

• Parking: No parking
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Residential townhouse; Entry level information not provided
• Construction: Vinyl siding with frame construction; No foundation details provided; Below-grade finished area present
• Exterior features: Porch; Shingle roof; Sidewalks

Interior

• Kitchen: Refrigerator
• Bathrooms: 1 full bathroom
• Heating & cooling: Central air; Has heating
• Interior features: Washer; Dryer; Refrigerator; Walk-out basement access; 6 total rooms
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $43k.

Deal economics

• At list price, monthly cash flow is $268 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($695 rent vs $43k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Shamokin Area SD (town): math 19% / reading 40% proficiency, ranked #450 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 30 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.3%/yr); year-one equity from $297 of loan paydown is wiped out by about $556 of value loss. Plan a longer hold.
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-1.3% appreciation + 3.0% rent growth), your $12k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 8y ago 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 $12k; list at $43k implies a 258% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $43,000

Questions for the listing agent

1. Built in 1910 — 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. 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.
4. 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.
5. 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: 1.62% ✓
• Cap rate: 13.78%
• Cash-on-cash: 26.73%
• DSCR: 2.19
• GRM: 5.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.29% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.4%
• Equity multiple: 2.10×
• Total profit: $13,277
• Equity at exit: $9,779

10-year hold

• IRR: 29.9%
• Equity multiple: 4.03×
• Total profit: $36,483
• Equity at exit: $9,765

Cash invested: $12,040 (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 17866

• Home prices YoY: -1.1%
• Active inventory: 30
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $695 medium
• Mortgage (P&I): −$225
• Tax from tax record: −$37 /mo · $450/yr
• Insurance: −$18
• HOA: −$0
• Vacancy / Maint / Mgmt: −$146
• Net cashflow: $268

Break-even live

Break-even rent $356

Max offer price $43,000

Occupancy floor 56%

Sensitivity live

Price	-10% $292	-5% $280	+0% $268	+5% $256	+10% $244
Rent	-10% $213	-5% $241	+0% $268	+5% $296	+10% $323
Rate	-1.0pp $290	-0.5pp $279	base $268	+0.5pp $257	+1.0pp $246

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: $10,750
• Closing costs: $1,290
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
169 N Grant St Shamokin, PA	1.0	1.0	750	$695	$0.93	44d	1	0.77mi

Listing history 7 events

1. 2026-06-18
   status $43,000 Pending 6 DOM
2. 2026-06-17
   days on market $43,000 Active 6 DOM
3. 2026-06-16
   days on market $43,000 Active 5 DOM
4. 2026-06-15
   days on market $43,000 Active 4 DOM
5. 2026-06-14
   days on market $43,000 Active 2 DOM
6. 2026-06-12
   remarks 224-char remark
7. 2026-06-12
   listed $43,000 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: $450 · $37/mo
• Projected year-2 tax: $565 · $47/mo
• Expected delta: +$115/yr (+$10/mo · 25.5%)

ⓘ 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 4/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $8,340
• − Mortgage interest: −$2,409
• − Property taxes: −$450
• − Insurance: −$215
• − Repairs & maintenance: −$667
• − Management: −$667
• − Depreciation: −$1,251
• Taxable income: $2,681
• Est. tax owed @ 24.0%: −$643
• After-tax cash flow: $2,574/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: Shamokin Area SD
• NCES district ID: 4221240
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 40% ▼ -11.00%
• Median HH income: $35,380
• Composite: 24.31/100
• National rank: #7709
• State rank: #450 of 539 in PA

Livability — Fairview-Ferndale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Fairview-Ferndale, PA
• Population (ZIP): 9,808

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 15% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Romanian 12% Iranian 4% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.29%
• Current HPI: 111.3788
• 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

+188.6% since first listed

3 events — show timeline

• 2026-06-10 Listed $43,000 CSVBR
• 2018-06-26 Sold (MLS) $12,000 CSVBR
• 2018-05-21 Listed $14,900 CSVBR

Property tax history

+3.9%/yr

Latest (2026): $450 · +2.2% YoY. Source: county tax records.