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3871 Grosh Dr
B- Composite 69.47
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
  • Schools +4.7/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$54,000

3871 Grosh Dr · Antrim, PA 17225
3 bd · 2.0 ba · 1,008 sqft · SingleFamily · 23 Days on market
Built 1987 Fair condition $54/sqft · 71% below area

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Picture yourself here--this spacious three bedroom, two bathroom mobile home is located in a small mobile home park in a country setting! The home has newer carpet throughout and newer vinyl flooring in the kitchen. There is an updated full bath also with newer vinyl flooring. A small fenced in area off the back entrance is perfect for small children or a small dog. The main entrance has ramp access with a covered porch. The property comes with a shed and has a nice yard with a small section of woods as the backdrop. Very low taxes at less than $200 per year! The owner is willing to finance a portion of the purchase. The seller is building a home which is anticipated to be completed in J

Key facts

  • Fenced in area
  • Covered porch
  • Updated full bath

Tags

COUNTRY SETTINGNEWER CARPETNEWER VINYL FLOORINGUPDATED FULL BATHFENCED IN AREACOVERED PORCH

Property features AI

Finance

  • Financial info: Monthly ground rent payment of $425

Exterior

  • Parking: Driveway parking for 2 vehicles; Total of 2 garage/parking spaces
  • Utilities: Private/community water; Private sewer; Electric utilities
  • Home design: Detached modular/manufactured home; Effective year renovated 2024; Average property condition; Ground rent ownership
  • Construction: Metal roof; Other foundation; Storm windows
  • Exterior features: Play area; Awnings; Vinyl fencing; Balcony; Deck(s); Shed

Interior

  • Kitchen: Electric oven/range; Range hood; Refrigerator
  • Bedrooms: Three bedrooms on the main level
  • Flooring: Carpet; Vinyl
  • Bathrooms: Two full bathrooms on the main level
  • Heating & cooling: Electric heat pump; Central air (electric); Electric hot water
  • Interior features: Ceiling fans; Eat-in kitchen; Carpeted areas
  • Laundry & utility: Washer/dryer hookups

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $54k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $894 ($11k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $54k).
  • Recommended offer: $53k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
  • Greencastle-Antrim SD (suburban): math 43% / reading 65% proficiency, ranked #118 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 122 active listings in the ZIP; 633 units permitted in Franklin County in 2024 (112 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $373 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 23 days — a 2% lower offer ($53k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $53,190 (1.5% below list)

Questions for the listing agent

  1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  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
2.97%
Cap rate
26.16%
Cash-on-cash
70.95%
DSCR
4.16
GRM
2.8

CMA / ARV

ARV (median comp)
$183,872
List price
$54,000
Delta
-70.63%
Verdict
UNDERPRICED
Comps
3 within 1.0 mi
Show comp detail 2 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7017 Guitner 0.33mi 2/1.0 (-1) 864 (-14%) 18mo $175,000 $203 37
3232 Enoch Brown Rd 0.67mi 3/1.0 1,104 (+10%) 22mo $244,000 $221 31

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
70.6%
Equity multiple
4.19×
Total profit
$48,214
Equity at exit
$8,052
10-year hold
IRR
74.6%
Equity multiple
8.63×
Total profit
$115,401
Equity at exit
$4,669

Cash invested: $15,120 (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.

ZIP-level market 17225

Home prices YoY
-19.0%
Active inventory
122
Price-to-rent
2.8×

Monthly cashflow live

Estimated rent
$1,604 medium interval (Pro) →
Mortgage (P&I)
$283
Tax est. 1.5%
$68 /mo · $810/yr
Insurance
$22
HOA
$0
Vacancy / Maint / Mgmt
$337
Net cashflow
$894

Break-even live

Break-even rent $472
Max offer price $54,000
Occupancy floor 39%

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
$13,500
Closing costs
$1,620
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 7 events

  1. 2026-06-05
    days on market $54,000 Active 23 DOM
  2. 2026-06-03
    remarks 699-char remark
  3. 2026-06-02
    days on market $54,000 Active 21 DOM
  4. 2026-06-01
    days on market $54,000 Active 20 DOM
  5. 2026-05-31
    days on market $54,000 Active 19 DOM
  6. 2026-05-30
    days on market $54,000 Active 18 DOM
  7. 2026-05-12
    listed $54,000 Active 693-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,248
− Mortgage interest
−$3,025
− Property taxes
−$810
− Insurance
−$270
− Repairs & maintenance
−$1,540
− Management
−$1,540
− Depreciation
−$1,571
Taxable income
$10,493
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,518
After-tax cash flow
$8,210/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.

Condition & rehab AI · 13 photos

Fair 45/100 Cosmetic rehab

This mobile home is in fair condition with some repairs and maintenance needed, particularly to the roof and exterior siding. A new roof and exterior paint would significantly improve its appearance and increase its resale value.

Repairs flagged

  • Major roof — The satellite image shows visible rust and wear on the metal roof.
  • Minor exterior siding — There is some discoloration and minor damage visible on the exterior siding.
  • Minor interior walls — There is some discoloration and minor damage visible on the interior walls.

Value-add opportunities

  • Resale repair roof — A new roof will significantly improve the home's appearance and increase its resale value.
  • Resale paint exterior siding — Painting the exterior siding will improve the home's curb appeal and increase its resale value.
  • Both repair and replace flooring — Repairing and replacing the flooring will improve the home's appearance and increase its resale and rental value.

Renovation cost estimate screening

Repair itemSeverityEst. cost
roof · The satellite image shows visible rust and wear on the metal roof. Major $15,000–50,000
exterior siding · There is some discoloration and minor damage visible on the exterior siding. Minor $500–3,000
interior walls · There is some discoloration and minor damage visible on the interior walls. Minor $500–3,000
Total estimated repair cost · 3 items $16,000–56,000

Value-add ROI direction

  • Resale repair roof — A new roof will significantly improve the home's appearance and increase its resale value.
  • Resale paint exterior siding — Painting the exterior siding will improve the home's curb appeal and increase its resale value.
  • Both repair and replace flooring — Repairing and replacing the flooring will improve the home's appearance and increase its resale and rental value.

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Greencastle-Antrim SD
NCES district ID
4211010
Math proficiency
43% ▼ -14.00%
Reading proficiency
65% ▼ -9.00%
Median HH income
$62,541
Composite
47.21/100
National rank
#2319
State rank
#118 of 539 in PA

Livability — Antrim

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

Census & demographics

Population (ZIP)
20,335

Population outlook (Franklin County) Hauer SSP2

Today (2025)
157,827 people
By 2030
158,933 · +0.7%
By 2040
159,060 · +0.8%
By 2050
155,132 · -1.7%
By 2075
138,545 · -12.2%
By 2100
112,321 · -28.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (90%)
Race & ethnicity
White 90% Two or more races 4% Black 3% Asian 2% Hispanic / Latino 1%
Common ancestry
Romanian 4% Italian 4% American 2%
Foreign-born
4% · Canada, China
Languages at home
96% English-only · Spanish 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Franklin

2024 margin
Solid R (+43.0) · D 28.1% · R 71.1%
2008→2024 swing
-10.4pp toward R · 2008: -32.6pp · 2024: -43.0pp
All cycles
2024: R+43.0 2020: R+43.1 2016: R+46.5 2012: R+38.5 2008: R+32.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -54.84%
Current HPI
233.5857
Rent YoY
Metro
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

2 events — show timeline
  • 2026-06-05 Listing Removed BRIGHT MLS
  • 2026-05-12 Listed $54,000 BRIGHT MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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