131 Poland Ave · Struthers, OH 44471

$85,000

3 bd · 2.0 ba · 1,729 sqft · SingleFamily public records · 99 Days on market

Built 1908 Fair condition 4,748 sqft lot $49/sqft · 10% below area Est $95k · 10% under ↓ 9% 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
• ARV discount +12.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.0/10.0
• Livability +3.6/5.0
• Appreciation +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Duplex with separate outside entrances. Currently rented. Showingis thruy listing agent after 4 :30 pm.

Key facts

• 4,748 sq ft lot
• Built 1908
• Listed 99 days

Tags

• SEPARATE OUTSIDE ENTRANCES

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $85k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $573 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $77k (9.0% below list) — sets the bar for market timing.
• Cap rate 14.4% vs local median 6.4% in Struthers — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 71/100 on livability (#418 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: commute C-, amenities F, employment F.
• Struthers City (suburban): math 45% / reading 52% proficiency, ranked #475 of 656 in OH (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 67 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($53k/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 $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($77k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y ago; this cycle's ask has dropped $24k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1908 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $77,350 (9.0% below list)

Questions for the listing agent

1. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1908 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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 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: 1.72% ✓
• Cap rate: 14.38%
• Cash-on-cash: 28.88%
• DSCR: 2.28
• GRM: 4.8

CMA / ARV

• ARV (median comp): $94,544
• List price: $85,000
• Delta: -10.09%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
127 William St	0.43mi	3/1.0	1,716 (-1%)	10mo	$140,000	$82	66
101 Ridgeway St	0.37mi	3/2.0	1,536 (-11%)	1mo	$136,000	$89	63
129 Sexton St	0.24mi	4/1.5 (+1)	1,932 (+12%)	5mo	$160,000	$83	58
125 Ridgeway St	0.41mi	3/2.0	1,600 (-8%)	16mo	$144,500	$90	55
29 Stewart St	0.15mi	3/1.5	1,536 (-11%)	22mo	$88,000	$57	54
726 5th St	0.60mi	4/1.5 (+1)	1,692 (-2%)	10mo	$185,000	$109	53
309 Sexton St	0.58mi	4/2.0 (+1)	1,576 (-9%)	10mo	$116,000	$74	45
284 Sexton St	0.53mi	3/1.5	1,566 (-9%)	20mo	$128,000	$82	40
803 5th St	0.68mi	3/1.5	1,484 (-14%)	13mo	$150,000	$101	32
857 5th St	0.73mi	4/2.0 (+1)	1,572 (-9%)	22mo	$175,000	$111	27

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: 23.2%
• Equity multiple: 1.95×
• Total profit: $22,721
• Equity at exit: $12,674

10-year hold

• IRR: 31.2%
• Equity multiple: 3.81×
• Total profit: $66,831
• Equity at exit: $7,349

Cash invested: $23,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 44471

• Home prices YoY: -1.5%
• Active inventory: 67
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,462 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$101 /mo · $1,215/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $573

Break-even live

Break-even rent $737

Max offer price $85,000

Occupancy floor 56%

Sensitivity live

Price	-10% $621	-5% $597	+0% $573	+5% $549	+10% $525
Rent	-10% $457	-5% $515	+0% $573	+5% $630	+10% $688
Rate	-1.0pp $616	-0.5pp $594	base $573	+0.5pp $551	+1.0pp $528

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
465 W Omar St Struthers, OH	3.0	2.0	1544	$1,800	$1.17	14d	1	1.08mi
610 Elm St Struthers, OH	3.0	1.0	1050	$1,500	$1.43	14d	1	1.11mi
127 Oxford St Campbell, OH	3.0	1.0	1575	$975	$0.62	44d	1	1.48mi

Listing history 15 events

1. 2026-06-07
   statusdays on market $85,000 Pending 99 DOM
2. 2026-06-03
   days on market $85,000 Active 98 DOM
3. 2026-06-02
   days on market $85,000 Active 97 DOM
4. 2026-06-01
   pricedays on market $85,000 Active 96 DOM
5. 2026-05-31
   days on market $99,000 Active 95 DOM
6. 2026-05-30
   days on market $99,000 Active 94 DOM
7. 2026-04-23
   price $99,000 103-char remark

   Show marketing remark (103 chars)

   Duplex with separate outside entrances. Currently rented. Showingis thruy listing agent after 4 :30 pm.

8. 2026-03-19
   status Active 103-char remark

   Show marketing remark (103 chars)

   Duplex with separate outside entrances. Currently rented. Showingis thruy listing agent after 4 :30 pm.

9. 2026-03-01
   historical Contingent 103-char remark

   Show marketing remark (103 chars)

   Duplex with separate outside entrances. Currently rented. Showingis thruy listing agent after 4 :30 pm.

10. 2026-02-25
    listed $109,000 Active 103-char remark

    Show marketing remark (103 chars)

    Duplex with separate outside entrances. Currently rented. Showingis thruy listing agent after 4 :30 pm.

11. 2024-04-23
    historical $650
12. 2024-04-12
    listed $650
13. 2023-11-05
    historical $650
14. 2023-08-29
    price $650
15. 2023-07-25
    listed $700

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

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $1,215 · $101/mo
• Projected year-2 tax: $1,270 · $106/mo
• Expected delta: +$56/yr (+$5/mo · 4.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $17,546
• − Mortgage interest: −$4,761
• − Property taxes: −$1,215
• − Insurance: −$425
• − Repairs & maintenance: −$1,404
• − Management: −$1,404
• − Depreciation: −$2,473
• Taxable income: $5,865
• Est. tax owed @ 24.0%: −$1,408
• After-tax cash flow: $5,465/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 · 2 photos

Fair 45/100 Moderate rehab

The home requires moderate exterior repairs and some maintenance to improve its curb appeal and value.

Repairs flagged

• Moderate exterior siding — Weathered and discolored
• Minor landscaping — Overgrown bushes

Value-add opportunities

• Both paint exterior — Enhances curb appeal and value
• Both prune bushes — Improves landscaping and curb appeal

Renovation cost estimate screening

Repair item	Severity	Est. cost
exterior siding · Weathered and discolored	Moderate	$3,000–15,000
landscaping · Overgrown bushes	Minor	$500–3,000
Total estimated repair cost · 2 items		$3,500–18,000

Value-add ROI direction

• Both paint exterior — Enhances curb appeal and value ↑
• Both prune bushes — Improves landscaping and curb appeal ↑

ⓘ 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: Struthers City
• NCES district ID: 3904485
• Math proficiency: 45% ▼ -12.00%
• Reading proficiency: 52% ▼ -8.00%
• Median HH income: $37,753
• Composite: 40.35/100
• National rank: #3742
• State rank: #475 of 656 in OH

Livability — Struthers

• Score: 71/100
• State rank: #418
• US rank: #6867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Struthers, OH
• County: Mahoning · 224,175 people
• City population: 10,296
• Metro: Youngstown-Warren, OH
• Population (ZIP): 10,296
• Household income: $52,811
• Rent vs Own: 31.2% rent · 68.8% own
• Severe rent burden: 12.2

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Romanian 8% Lithuanian 4% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4% Arabic 1% Other Indo-European 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -4.12%
• Current HPI: 274.6394
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

-9.2% since first listed

9 events — show timeline

• 2026-04-23 Price Changed $99,000 MLSNOW
• 2026-03-19 Relisted — MLSNOW
• 2026-03-01 Contingent — MLSNOW
• 2026-02-25 Listed $109,000 MLSNOW
• 2024-04-23 Rental Removed $650 APPFOLIO
• 2024-04-12 Listed for Rent $650 APPFOLIO
• 2023-11-05 Rental Removed $650 APPFOLIO
• 2023-08-29 Price Changed $650 APPFOLIO
• 2023-07-25 Listed for Rent $700 APPFOLIO

Property tax history

+0.8%/yr

Latest (2025): $1,215 · -0.0% YoY. Source: county tax records.