107 White Pine Ave · West Hamburg, PA 19526

$87,000

3 bd · 2.0 ba · 1,248 sqft · SingleFamily · 28 Days on market

Built 1996 Fair condition $70/sqft · 12% above area Est $78k · 12% over

---

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
• Appreciation +10.0/10.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• ARV discount +2.1/15.0

Listing remarks MLS

Tucked into a convenient Hamburg location, 107 White Pine Ave offers easy access to major routes, local shopping, dining, and everyday essentials while still enjoying a quieter neighborhood setting. This 3-bedroom, 2-bath home offers comfortable, single-level living with a functional layout and great potential to make it your own. Whether you're commuting, downsizing, or just starting out, you’ll appreciate the balance of accessibility and simplicity this home provides.

Key facts

• Built 1996
• Listed 28 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $87k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $939 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $87k).
• Recommended offer: $86k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#869 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: schools F, amenities F, commute F.
• Hamburg Area SD (other): math 31% / reading 43% proficiency, ranked #377 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 47 active listings in the ZIP; 258 units permitted in Berks County in 2024 (27 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($601 loan paydown + $9k appreciation (10.0% local appreciation)).
• Berks County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$33k 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 ($86k) is reasonable based on typical stale-listing flexibility.

Recommended offer $85,695 (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. 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: 2.24% ✓
• Cap rate: 19.25%
• Cash-on-cash: 46.28%
• DSCR: 3.06
• GRM: 3.7

CMA / ARV

• ARV (median comp): $77,603
• List price: $87,000
• Delta: 12.11%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 White Pine Ave	0.00mi	3/2.0	1,248 (0%)	24mo	$95,000	$76	80
223 Merry St	0.10mi	3/2.0	1,344 (+8%)	8mo	$70,000	$52	76
215 Merry St	0.13mi	3/2.0	1,150 (-8%)	9mo	$139,900	$122	73
346 W State St	0.54mi	3/1.5	1,248 (0%)	10mo	$270,000	$216	65
207 Hazel St	0.59mi	3/1.0	1,210 (-3%)	5mo	$300,000	$248	59

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: 60.5%
• Equity multiple: 5.40×
• Total profit: $107,245
• Equity at exit: $78,376

10-year hold

• IRR: 54.0%
• Equity multiple: 12.04×
• Total profit: $268,825
• Equity at exit: $169,022

Cash invested: $24,360 (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 19526

• Home prices YoY: 4.6%
• Active inventory: 47
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $1,950 medium
• Mortgage (P&I): −$456
• Tax est. 1.5%: −$109 /mo · $1,305/yr
• Insurance: −$36
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $939

Break-even live

Break-even rent $761

Max offer price $87,000

Occupancy floor 47%

Sensitivity live

Price	-10% $1,000	-5% $969	+0% $939	+5% $909	+10% $879
Rent	-10% $785	-5% $862	+0% $939	+5% $1,016	+10% $1,094
Rate	-1.0pp $983	-0.5pp $962	base $939	+0.5pp $917	+1.0pp $894

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: $21,750
• Closing costs: $2,610
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-18
   status Pending 480-char remark

   Show marketing remark (480 chars)

   Tucked into a convenient Hamburg location, 107 White Pine Ave offers easy access to major routes, local shopping, dining, and everyday essentials while still enjoying a quieter neighborhood setting. This 3-bedroom, 2-bath home offers comfortable, single-level living with a functional layout and great potential to make it your own. Whether you're commuting, downsizing, or just starting out, you’ll appreciate the balance of accessibility and simplicity this home provides.

2. 2026-04-20
   listed $87,000 Active 480-char remark

   Show marketing remark (480 chars)

   Tucked into a convenient Hamburg location, 107 White Pine Ave offers easy access to major routes, local shopping, dining, and everyday essentials while still enjoying a quieter neighborhood setting. This 3-bedroom, 2-bath home offers comfortable, single-level living with a functional layout and great potential to make it your own. Whether you're commuting, downsizing, or just starting out, you’ll appreciate the balance of accessibility and simplicity this home provides.

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

Taxation est. · year 1

• Rental income: $23,403
• − Mortgage interest: −$4,873
• − Property taxes: −$1,305
• − Insurance: −$435
• − Repairs & maintenance: −$1,872
• − Management: −$1,872
• − Depreciation: −$2,531
• Taxable income: $10,514
• Est. tax owed @ 24.0%: −$2,523
• After-tax cash flow: $8,750/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

This single-family home requires moderate repairs and maintenance, including a new roof and exterior painting, to improve its condition and value.

Repairs flagged

• Major roof — Signs of wear and potential leaks.
• Moderate exterior siding — Some discoloration and minor damage present.
• Minor landscaping — Minimal and overgrown areas need attention.

Value-add opportunities

• Resale paint exterior — Fresh paint can enhance curb appeal and home value.
• Resale repair roof — A new roof can significantly increase the home's value and reduce potential future expenses.
• Both landscape — A well-maintained landscape can improve curb appeal and attract potential buyers/tenants.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Signs of wear and potential leaks.	Major	$15,000–50,000
exterior siding · Some discoloration and minor damage present.	Moderate	$3,000–15,000
landscaping · Minimal and overgrown areas need attention.	Minor	$500–3,000
Total estimated repair cost · 3 items		$18,500–68,000

Value-add ROI direction

• Resale paint exterior — Fresh paint can enhance curb appeal and home value. ↑
• Resale repair roof — A new roof can significantly increase the home's value and reduce potential future expenses. ↑
• Both landscape — A well-maintained landscape can improve curb appeal and attract potential buyers/tenants. ↑

ⓘ 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: Hamburg Area SD
• NCES district ID: 4211340
• Math proficiency: 31% ▼ -12.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $55,589
• Composite: 32.5/100
• National rank: #5705
• State rank: #377 of 539 in PA

Livability — West Hamburg

• Score: 68/100
• State rank: #869
• US rank: #9179

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Hamburg, PA
• City population: 11,412
• Population (ZIP): 11,412

Population outlook (Berks County) Hauer SSP2

• Today (2025): 425,767 people
• By 2030: 428,814 · +0.7%
• By 2040: 433,463 · +1.8%
• By 2050: 439,426 · +3.2%
• By 2075: 478,647 · +12.4%
• By 2100: 518,507 · +21.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 6% Two or more races 3% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Polish 7% Romanian 4% Iranian 2%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Berks

• 2024 margin: R (+12.2) · D 43.4% · R 55.6%
• 2008→2024 swing: -21.4pp toward R · 2008: 9.2pp · 2024: -12.2pp
• All cycles: 2024: R+12.2 2020: R+8.2 2016: R+10.2 2012: R+0.6 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.13%
• Current HPI: 299.1168
• 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

2 events — show timeline

• 2026-05-18 Pending — BRIGHT MLS
• 2026-04-20 Listed $87,000 BRIGHT MLS