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151 Post Office Ave
F Composite 24.84
Why this score? — see what drove the F 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).

  • ARV discount +7.5/15.0
  • Appreciation +5.0/10.0
  • Schools +4.2/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Cash flow +0.0/30.0
  • 1% rule +0.0/10.0
  • DSCR +0.0/10.0

$175,000

151 Post Office Ave · Blandburg, PA 16619
None bd · 3.0 ba · 3,000 sqft · Townhouse · 330 Days on market
Built 1900 0.32 ac lot

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.

Key facts

  • Newer furnace
  • Remodeled kitchen
  • Large living room

Tags

REMODELED KITCHENLARGE LIVING ROOMDINING ROOMFAMILY ROOMNEWER FURNACEPROPANE GENERATOR

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 ?-bed/3.0-bath townhouse listed at $175k.

Deal economics

  • At list price, monthly cash flow is $-1k ($-13k/yr) — negative.
  • Rent doesn't cover operating costs at any purchase price — skip.
  • Recommended offer: $154k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 63/100 on livability (#1,309 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D, employment D, amenities F.
  • Glendale SD (rural): math 39% / reading 62% proficiency, ranked #195 of 539 in PA (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 6 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $6k of equity ($1k loan paydown + $5k appreciation (3.0% local appreciation)).
  • Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • By year 6, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 330 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 10y ago; this cycle's ask is 9% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
  • Current owner paid $14k; list at $175k implies a 1150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $154,000 (12.0% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 330 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. Built in 1900 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  8. 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.
  9. 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.
  10. 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
0.00%
Cap rate
-1.10%
Cash-on-cash
-26.41%
DSCR
-0.18
GRM
0.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
-16.7%
Equity multiple
0.03×
Total profit
$-47,682
Equity at exit
$78,688
10-year hold
IRR
-9.3%
Equity multiple
-0.50×
Total profit
$-73,570
Equity at exit
$121,267

Cash invested: $49,000 (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.

ZIP-level market 16619

Active inventory
6

Monthly cashflow live

Estimated rent
$0 none
Mortgage (P&I)
$918
Tax from tax record
$88 /mo · $1,053/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$0
Net cashflow
$-1,078

Break-even live

Break-even rent $1,365
Max offer price
Occupancy floor

Sensitivity live

Price -10% $-979 -5% $-1,029 +0% $-1,078 +5% $-1,128 +10% $-1,177
Rent -10% $-1,078 -5% $-1,078 +0% $-1,078 +5% $-1,078 +10% $-1,078
Rate -1.0pp $-990 -0.5pp $-1,034 base $-1,078 +0.5pp $-1,124 +1.0pp $-1,170

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
$43,750
Closing costs
$5,250
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 22 events

  1. 2026-06-19
    days on market $175,000 Active 330 DOM
  2. 2026-06-18
    days on market $175,000 Active 329 DOM
  3. 2026-06-17
    days on market $175,000 Active 328 DOM
  4. 2026-06-16
    days on market $175,000 Active 327 DOM
  5. 2026-06-15
    days on market $175,000 Active 326 DOM
  6. 2026-06-14
    days on market $175,000 Active 324 DOM
  7. 2026-06-13
    days on market $175,000 Active 323 DOM
  8. 2026-06-10
    days on market $175,000 Active 321 DOM
  9. 2026-06-09
    days on market $175,000 Active 320 DOM
  10. 2026-06-08
    days on market $175,000 Active 319 DOM
  11. 2026-06-07
    days on market $175,000 Active 318 DOM
  12. 2026-06-02
    days on market $175,000 Active 313 DOM
  13. 2026-06-01
    days on market $175,000 Active 312 DOM
  14. 2026-05-31
    days on market $175,000 Active 311 DOM
  15. 2026-05-30
    days on market $175,000 Active 310 DOM
  16. 2025-08-27
    price $175,000 774-char remark
    Show marketing remark (774 chars)

    This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.

  17. 2025-07-24
    price $179,900 774-char remark
    Show marketing remark (774 chars)

    This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.

  18. 2025-07-24
    listed $159,900 Active 774-char remark
    Show marketing remark (774 chars)

    This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.

  19. 2019-11-15
    soldstatus $14,000
  20. 2016-01-19
    listed $78,900
  21. 2001-06-21
    soldstatus $49,900
  22. 1996-12-01
    soldstatus $35,500

ⓘ 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
$1,053 · $88/mo
Projected year-2 tax
$1,909 · $159/mo
Expected delta
+$856/yr (+$71/mo · 81.3%)

ⓘ 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 3/10 Moderate
  • 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$0
− Mortgage interest
−$9,803
− Property taxes
−$1,053
− Insurance
−$875
− Repairs & maintenance
−$0
− Management
−$0
− Depreciation
−$5,091
Taxable loss
−$16,822
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$4,037
After-tax cash flow
$-8,903/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
Glendale SD
NCES district ID
4210830
Math proficiency
39% ▼ -9.00%
Reading proficiency
62% ▼ -3.00%
Median HH income
$37,869
Composite
41.95/100
National rank
#3350
State rank
#195 of 539 in PA

Livability — Blandburg

Score
63/100
State rank
#1309
US rank
#16092

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Blandburg, PA
City population
315
Population (ZIP)
315

Population outlook (Cambria County) Hauer SSP2

Today (2025)
122,754 people
By 2030
115,827 · -5.6%
By 2040
101,309 · -17.5%
By 2050
88,379 · -28.0%
By 2075
65,237 · -46.9%
By 2100
46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (89%)
Race & ethnicity
White 89% Two or more races 8% Hispanic / Latino 4% Black 3%
Common ancestry
Subsaharan African 3% Romanian 2% Polish 1%
Languages at home
99% English-only · Other Indo-European 1%

Political lean MEDSL · Cambria

2024 margin
Solid R (+39.7) · D 29.8% · R 69.5%
2008→2024 swing
-40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
All cycles
2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

Civics

Market trends

HPI YoY
Current HPI
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

+393.0% since first listed
7 events — show timeline
  • 2025-08-27 Price Changed $175,000 AHARMLS
  • 2025-07-24 Price Changed $179,900 AHARMLS
  • 2025-07-24 Listed $159,900 AHARMLS
  • 2019-11-15 Sold (MLS) $14,000 CSMLS
  • 2016-01-19 Listed $78,900 AHARMLS
  • 2001-06-21 Sold (Public Records) $49,900 Public Records
  • 1996-12-01 Sold (Public Records) $35,500 Public Records

Property tax history

+2.1%/yr

Latest (2026): $1,053 · +4.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…