5710 Caine Rd · Pymatuning North, PA 44082

$75,000

3 bd · 1.0 ba · 828 sqft · SingleFamily public records · 28 Days on market

Built 1860 1.90 ac 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 +29.1/30.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.1/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Set on 1.9 rural acres, this 3-bedroom, 1.5?bath handyman special offers a great opportunity for someone looking to take on a full renovation project. The home will require significant work throughout, making it ideal for investors or experienced DIY buyers. An enclosed porch and an unfinished sunroom provide additional space ready for restoration. The property also includes a barn that is in poor condition and appears to be falling apart, offering potential for rebuild or repurposing. With its peaceful country setting and ample land, this property is perfect for those looking to bring a vision to life in a rural environment.

Key facts

• Barn
• Enclosed porch
• Unfinished sunroom

Tags

• ENCLOSED PORCH
• UNFINISHED SUNROOM
• BARN

Property features AI

Exterior

• Parking: Driveway
• Utilities: Well water; Septic tank
• Home design: Two-story house; Fixer condition; Aluminum roof; Wood siding
• Construction: Built (year source: public records); Block foundation
• Exterior features: Front porch; Barn(s); Stream/creek on the lot; Spring on the lot

Interior

• Kitchen: Refrigerator
• Bedrooms: One main-level bedroom; One second-level bedroom; Two additional second-level bedrooms; One first-level bedroom
• Bathrooms: One full bathroom; One half bathroom; One main-level bathroom
• Heating & cooling: Baseboard electric heating; Heating present
• Interior features: Sunroom; Mud room; Laundry room (lower level); Living room; Crawl space basement
• Laundry & utility: Laundry room (lower level)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $259 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($984 rent vs $75k).
• Recommended offer: $74k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 58/100 on livability (#1,568 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: health & safety D, schools F, amenities F.
• Pymatuning Valley Local (rural): math 53% / reading 52% proficiency, ranked #418 of 656 in OH (top 64%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Lower-income renter base — watch delinquency; 155 units permitted in Ashtabula County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($519 loan paydown + $8k appreciation (10.0% local appreciation)).
• Ashtabula County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $16k; list at $75k implies a 369% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1860 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $73,875 (1.5% below list)

Questions for the listing agent

1. Built in 1860 — 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. 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?
4. 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.
5. 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.
6. 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: 1.31% ✓
• Cap rate: 10.44%
• Cash-on-cash: 14.81%
• DSCR: 1.66
• GRM: 6.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 35.2%
• Equity multiple: 3.73×
• Total profit: $57,366
• Equity at exit: $67,566

10-year hold

• IRR: 30.3%
• Equity multiple: 8.43×
• Total profit: $155,984
• Equity at exit: $145,709

Cash invested: $21,000 (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 44082

• Home prices YoY: 4.6%
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $984 medium
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,125/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$207
• Net cashflow: $259

Break-even live

Break-even rent $656

Max offer price $75,000

Occupancy floor 69%

Sensitivity live

Price	-10% $311	-5% $285	+0% $259	+5% $233	+10% $207
Rent	-10% $181	-5% $220	+0% $259	+5% $298	+10% $337
Rate	-1.0pp $297	-0.5pp $278	base $259	+0.5pp $240	+1.0pp $220

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-06-07
   remarks 633-char remark
2. 2026-06-07
   listed $75,000 Pending 28 DOM

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,809
• − Mortgage interest: −$4,201
• − Property taxes: −$1,125
• − Insurance: −$375
• − Repairs & maintenance: −$945
• − Management: −$945
• − Depreciation: −$2,182
• Taxable income: $2,037
• Est. tax owed @ 24.0%: −$489
• After-tax cash flow: $2,621/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: Pymatuning Valley Local
• NCES district ID: 3904588
• Math proficiency: 53% ▼ -14.00%
• Reading proficiency: 52% ▼ -9.00%
• Median HH income: $40,757
• Composite: 43.98/100
• National rank: #2896
• State rank: #418 of 656 in OH

Livability — Pymatuning North

• Score: 58/100
• State rank: #1568
• US rank: #20867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Ashtabula
• Metro: Cleveland, OH
• Population (ZIP): 1,544
• Household income: $43,917
• Rent vs Own: 26.5% rent · 73.5% own
• Severe rent burden: 10.6

Population outlook (Ashtabula County) Hauer SSP2

• Today (2025): 92,950 people
• By 2030: 89,146 · -4.1%
• By 2040: 80,715 · -13.2%
• By 2050: 72,270 · -22.2%
• By 2075: 55,780 · -40.0%
• By 2100: 40,928 · -56.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Romanian 1% Lithuanian 1% Slovak 1%

Political lean MEDSL · Ashtabula

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.8%
• 2008→2024 swing: -41.9pp toward R · 2008: 13.5pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+23.5 2016: R+19.0 2012: D+12.1 2008: D+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.54%
• Current HPI: 307.972
• 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

+368.8% since first listed

4 events — show timeline

• 2026-06-01 Pending — MLSNOW
• 2026-05-16 Contingent — MLSNOW
• 2026-05-04 Listed $75,000 MLSNOW
• 1993-06-25 Sold (Public Records) $16,000 Public Records

Property tax history

-24.4%/yr

Latest (2025): $112 · +2.5% YoY. Source: county tax records.