7237 Whipple St · Swissvale, PA 15218

$210,000

2 bd · 2.0 ba · 1,946 sqft · MultiFamily public records · 40 Days on market

Built 1930 Est $320k · 34% under

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Why this score? — see what drove the C 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 +19.0/30.0
• ARV discount +15.0/15.0
• DSCR +6.0/10.0
• 1% rule +5.8/10.0
• Livability +4.2/5.0
• Rent growth +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Welcome to 7237 Whipple street, a duplex in Swissvale and close to the parkway entrance in all directions. The high ceilings and new bathroom in the upstairs unit are just part of the old world meets new world charm and it still is waiting for someones TLC. Close to Edgewood towncenter, the waterfront and popular Regent Square. Each unit has 2 bedrooms and 1 bathroom. You can walk to get to the famous Dairy Delight, really close to the Giant Eagle in Town center, other retail and pubs, churches, etc.

Key facts

• New bathroom
• Close to parkway
• Close to waterfront

Tags

• NEW BATHROOM
• CLOSE TO PARKWAY
• CLOSE TO EDGEWOOD TOWNCENTER
• CLOSE TO WATERFRONT
• CLOSE TO REGENT SQUARE
• WALK TO DAIRY DELIGHT

Property features AI

Finance

• Other:
• Financial info:
• HOA & community:

Exterior

• Parking: Detached garage; Total 2 parking spaces
• Security:
• Utilities: Electricity available; Natural gas available; Public sewer available; Public water available
• Home design: Single-family residential zoning (SFR)
• Construction: Brick construction; Asphalt roof
• Exterior features: Public transportation nearby

Interior

• Kitchen:
• Bedrooms: Two 2-bedroom units
• Flooring:
• Bathrooms: Two 1-bathroom units (each unit has one full bath)
• Heating & cooling:
• Interior features: Unfinished basement
• Laundry & utility:

What this means for you Summary

Snapshot

• This is a 2 × 2-bed/1-bath units multifamily listed at $210k.

Deal economics

• At list price, monthly cash flow is $217 ($3k/yr) — positive. Per door: $109/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $210k).
• Recommended offer: $204k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 84/100 on livability (#95 in PA, #694 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime C-, amenities D+.
• Woodland Hills SD (suburban): math 13% / reading 30% proficiency, ranked #486 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Edgewood El Steam Academy (math 12% / reading 32%, grade F, #1,221 of 1,518 statewide, top 81%, 531 students, 100% FRL); Dickson Prep Steam Academy (math 8% / reading 27%, grade F, #455 of 512 statewide, top 89%, 642 students, 100% FRL); Woodland Hills Hs (math 37% / reading 30%, grade F, #323 of 437 statewide, top 74%, 949 students, 89% FRL) — zoned schools average 96% FRL vs 69% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.0%/yr); 78 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 17d 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 40% of the median local income ($68k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y 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 $94k; list at $210k implies a 122% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $203,700 (3.0% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-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?
7. 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.
8. 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.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.08% ✓
• Cap rate: 7.53%
• Cash-on-cash: 4.43%
• DSCR: 1.20
• GRM: 7.7

CMA / ARV

• ARV (median comp): $319,781
• List price: $210,000
• Delta: -34.33%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 6.02% rent growth · sell at horizon

5-year hold

• IRR: -5.7%
• Equity multiple: 0.78×
• Total profit: $-12,949
• Equity at exit: $31,312

10-year hold

• IRR: 7.5%
• Equity multiple: 1.65×
• Total profit: $38,128
• Equity at exit: $18,157

Cash invested: $58,800 (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 15218

• Rents YoY: 6.0%
• Active inventory: 78
• Price-to-rent: 15.4×

Monthly cashflow live

• Estimated rent: $2,277 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$393 /mo · $4,714/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$478
• Net cashflow: $217

Break-even live

Break-even rent $2,002

Max offer price $210,000

Occupancy floor 85%

Sensitivity live

Price	-10% $336	-5% $277	+0% $217	+5% $158	+10% $98
Rent	-10% $37	-5% $127	+0% $217	+5% $307	+10% $397
Rate	-1.0pp $323	-0.5pp $271	base $217	+0.5pp $163	+1.0pp $107

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1	$2,276
Total (2 units)			$2,277

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7225 Whipple St Unit 72255 Pittsburgh, PA	3.0	1.5	1440	$1,695	$1.18	5d	1	0.02mi
7009 Church St Pittsburgh, PA	3.0	2.0	1800	$1,550	$0.86	0d	1	0.35mi
7009 Church St Pittsburgh, PA	3.0	2.0	1800	$1,550	$0.86	46d	1	0.35mi
1027 Lancaster Ave Unit 2 Pittsburgh, PA	2.0	2.0	1300	$2,599	$2.00	0d	1	0.49mi
2219 Manor Ave Pittsburgh, PA	3.0	1.0	1638	$1,600	$0.98	26d	1	0.75mi
1001-1003 S Trenton Ave Pittsburgh, PA	3.0	1.5	1400	$2,000	$1.43	0d	1	0.80mi
2210 Hampton St Pittsburgh, PA	3.0	1.5	1512	$1,650	$1.09	26d	1	0.83mi
611 E Waterfront Dr Homestead, PA	1.0–2.0	1.0–2.5	1149	$2,605	$2.27	0d	9	0.89mi
2323 Patterson Ave Pittsburgh, PA	3.0	1.0	1440	$1,800	$1.25	46d	1	0.95mi
2323 Patterson Ave Unit NA Pittsburgh, PA	3.0	1.0	1440	$1,800	$1.25	0d	1	0.95mi
826 Walnut St Pittsburgh, PA	2.0	1.0	1270	$1,195	$0.94	46d	1	1.03mi
519-521 S Trenton Ave Pittsburgh, PA	3.0	1.5	1360	$2,600	$1.91	18d	1	1.10mi
442 Locust St Pittsburgh, PA	2.0	1.0	1600	$2,600	$1.62	5d	1	1.14mi
621 E 9th Ave Homestead, PA	2.0	2.0	1400	$1,425	$1.02	26d	1	1.18mi
931 Hilltop St Homestead, PA	3.0	1.5	1312	$1,500	$1.14	17d	1	1.27mi
6581 Rosemoor St Pittsburgh, PA	3.0	2.5	1752	$2,800	$1.60	15d	1	1.32mi
212 Kenmawr Ave Braddock, PA	2.0	1.5	1417	$1,300	$0.92	46d	1	1.42mi

Listing history 23 events

1. 2026-06-22
   days on market $210,000 Active 40 DOM
2. 2026-06-21
   days on market $210,000 Active 39 DOM
3. 2026-06-18
   days on market $210,000 Active 36 DOM
4. 2026-06-17
   days on market $210,000 Active 35 DOM
5. 2026-06-16
   days on market $210,000 Active 34 DOM
6. 2026-06-15
   pricedays on market $210,000 Active 33 DOM
7. 2026-06-13
   days on market $220,000 Active 31 DOM
8. 2026-06-09
   days on market $220,000 Active 27 DOM
9. 2026-06-08
   days on market $220,000 Active 26 DOM
10. 2026-06-07
    days on market $220,000 Active 25 DOM
11. 2026-06-05
    days on market $220,000 Active 22 DOM
12. 2026-06-03
    days on market $220,000 Active 21 DOM
13. 2026-06-02
    days on market $220,000 Active 20 DOM
14. 2026-06-01
    days on market $220,000 Active 19 DOM
15. 2026-05-31
    days on market $220,000 Active 18 DOM
16. 2026-05-13
    listed $220,000 Active 505-char remark
17. 2025-04-29
    listed $220,000 Active 505-char remark

    Show marketing remark (505 chars)

    Welcome to 7237 Whipple street, a duplex in Swissvale and close to the parkway entrance in all directions. The high ceilings and new bathroom in the upstairs unit are just part of the old world meets new world charm and it still is waiting for someones TLC. Close to Edgewood towncenter, the waterfront and popular Regent Square. Each unit has 2 bedrooms and 1 bathroom. You can walk to get to the famous Dairy Delight, really close to the Giant Eagle in Town center, other retail and pubs, churches, etc.

18. 2016-01-07
    soldstatus $94,500
19. 2015-12-19
    price $94,500

    Show marketing remark (208 chars)

    Up/Down duplex with 2 car detached garage in back. Each unit includes 2 bedrooms, a full bath, and open kitchen/dining room area. Convenient location to many destinations. Note: Property is being sold AS IS.

20. 2015-12-18
    price $107,500

    Show marketing remark (208 chars)

    Up/Down duplex with 2 car detached garage in back. Each unit includes 2 bedrooms, a full bath, and open kitchen/dining room area. Convenient location to many destinations. Note: Property is being sold AS IS.

21. 2015-12-18
    soldstatus $94,500 Sold

    Show marketing remark (208 chars)

    Up/Down duplex with 2 car detached garage in back. Each unit includes 2 bedrooms, a full bath, and open kitchen/dining room area. Convenient location to many destinations. Note: Property is being sold AS IS.

22. 2015-10-13
    historical Contingent

    Show marketing remark (208 chars)

    Up/Down duplex with 2 car detached garage in back. Each unit includes 2 bedrooms, a full bath, and open kitchen/dining room area. Convenient location to many destinations. Note: Property is being sold AS IS.

23. 2015-09-26
    listed $107,500 Active

    Show marketing remark (208 chars)

    Up/Down duplex with 2 car detached garage in back. Each unit includes 2 bedrooms, a full bath, and open kitchen/dining room area. Convenient location to many destinations. Note: Property is being sold AS IS.

ⓘ 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: $4,714 · $393/mo
• Projected year-2 tax: $4,714 · $393/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 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: $27,324
• − Mortgage interest: −$11,763
• − Property taxes: −$4,714
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,186
• − Management: −$2,186
• − Depreciation: −$6,109
• Taxable loss: −$684
• Est. tax savings @ 24.0%: +$164
• After-tax cash flow: $2,771/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: Woodland Hills SD
• NCES district ID: 4216500
• Math proficiency: 13% ▼ -13.00%
• Reading proficiency: 30% ▼ -10.00%
• Median HH income: $41,803
• Composite: 18.31/100
• National rank: #8954
• State rank: #486 of 539 in PA

Livability — Swissvale

• Score: 84/100
• State rank: #95
• US rank: #694

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Swissvale, PA
• County: Allegheny County · 1,022,028 people
• City population: 13,443
• Metro: Pittsburgh, PA
• Population (ZIP): 13,379
• Household income: $67,960
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 605.0

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 (69%)
• Race & ethnicity: White 69% Black 19% Two or more races 7% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 6% Serbian 2% Lithuanian 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% Chinese 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: ▼ -188.20%
• Current HPI: 297.8483
• Rent YoY: ▲ 6.02%
• 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

+95.3% since first listed

9 events — show timeline

• 2026-06-14 Price Changed $210,000 West Penn MLS
• 2026-05-13 Listed $220,000 West Penn MLS
• 2025-04-29 Listed $220,000 West Penn MLS
• 2016-01-07 Sold (Public Records) $94,500 Public Records
• 2015-12-19 Price Changed $94,500 West Penn MLS
• 2015-12-18 Sold (MLS) $94,500 West Penn MLS
• 2015-12-18 Price Changed $107,500 West Penn MLS
• 2015-10-13 Contingent — West Penn MLS
• 2015-09-26 Listed $107,500 West Penn MLS

Property tax history

+3.4%/yr

Latest (2026): $4,714 · +5.6% YoY. Source: county tax records.