157 Lafayette Ave · Collingdale, PA 19023

$175,000

3 bd · 1.0 ba · 1,192 sqft · Townhouse public records · 18 Days on market

Built 1930 1,742 sqft lot Est $243k · 28% under

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Why this score? — see what drove the C 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 +18.1/30.0
• ARV discount +15.0/15.0
• 1% rule +5.7/10.0
• DSCR +5.7/10.0
• Rent growth +5.0/5.0
• Livability +4.2/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome One and All! Excellent Investment or Owner Occupant Opportunity! Tenant may want to stay. Well maintain brick row home located in Collingdale Borough. First floor consists of spacious living room, dining room and kitchen. 2nd floor has 3 nice size bedrooms with full hall bath. Basement is full. Property is centrally located to schools, shopping, public transportation, parks & recreation, major routes & highways, Philadelphia Int. Airport and Center City Phila. This property is being sold in "As-Is", "Where -Is" Condition with buyer responsible for Collingdale Boroughs Use & Occupancy & associated costs. Schedule your appointment today! Listing Office

Key facts

• Covered front porch
• Spacious living room
• Garage

Tags

• COVERED FRONT PORCH
• REAR OFF STREET PARKING
• SPACIOUS LIVING ROOM
• FULL UNFINISHED BASEMENT
• WALKOUT ACCESS TO DRIVEWAY

Property features AI

Finance

• Other: Finished above-grade living area recorded by assessor
• Financial info: Lease not considered
• HOA & community: No HOA information provided

Exterior

• Parking: Rear-entry attached garage; One attached garage space; Driveway space for one vehicle; On-street parking available; Two total garage/parking spaces
• Security: No security features provided
• Utilities: Public water; Public sewer; Natural gas hot water
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Brick construction; Foundation includes block, brick/mortar and other; Built year sourced from assessor
• Exterior features: 18 x 100 lot dimensions; No tidal water on property

Interior

• Kitchen: No specific kitchen appliance details provided
• Bedrooms: Three bedrooms on the upper level
• Flooring: No flooring details provided
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating; Oil-fired heating
• Interior features: Unfinished basement
• Laundry & utility: No specific laundry or utility appliances listed

🏷️ Possibly a rental listed for sale. The $175,000 price doesn't fit this home's estimated sale value (~$243,168) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $175k.

Deal economics

• At list price, monthly cash flow is $154 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $172k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 6.0% in Collingdale — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 84/100 on livability (#105 in PA, #781 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, amenities D.
• Southeast Delco SD (suburban): math 13% / reading 33% proficiency, ranked #478 of 539 in PA (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 99 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).
• At $1,880/mo this rent would consume 49% of the median local household income ($46k/yr) (locally 1468% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 15y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $75k; list at $175k implies a 133% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $172,375 (1.5% below list)

Questions for the listing agent

1. Built in 1930 — 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. 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: 1.07% ✓
• Cap rate: 7.35%
• Cash-on-cash: 3.77%
• DSCR: 1.17
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $243,168
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
71 Burnside Ave	0.46mi	3/1.0	1,240 (+4%)	3mo	$95,001	$77	70
412 Pusey Ave	0.68mi	3/1.0	1,202 (+1%)	1mo	$245,000	$204	66
5 S Wells Ave	0.62mi	3/1.5	1,210 (+2%)	2mo	$245,000	$202	65
419 Custer Ave	0.65mi	3/2.0	1,178 (-1%)	2mo	$219,900	$187	62
614 Rively Ave	0.69mi	3/1.0	1,152 (-3%)	1mo	$255,000	$221	61
317 N Llanwellyn Ave	0.35mi	3/1.5	1,322 (+11%)	3mo	$206,500	$156	61
216 Ridley Ave	0.61mi	3/2.0	1,248 (+5%)	1mo	$296,694	$238	59
306 Pine St	0.62mi	3/2.0	1,120 (-6%)	0mo	$259,000	$231	57
102 Rambler Rd	0.55mi	3/1.0	1,316 (+10%)	1mo	$299,000	$227	56
118 Juliana Ter	0.41mi	3/1.0	1,020 (-14%)	2mo	$145,000	$142	55
304 Pine St	0.62mi	3/2.0	1,120 (-6%)	2mo	$250,000	$223	55
90 Ridley Ave	0.52mi	3/1.5	1,362 (+14%)	2mo	$245,000	$180	48

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -4.4%
• Equity multiple: 0.83×
• Total profit: $-8,514
• Equity at exit: $26,093

10-year hold

• IRR: 10.7%
• Equity multiple: 2.04×
• Total profit: $50,848
• Equity at exit: $15,131

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.

Methodology + full state rankings →

ZIP-level market 19023

• Rents YoY: 13.1%
• Active inventory: 99
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,880 high
• Mortgage (P&I): −$918
• Tax from tax record: −$340 /mo · $4,086/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $154

Break-even live

Break-even rent $1,685

Max offer price $175,000

Occupancy floor 87%

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: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
66 Folcroft Ave Folcroft, PA	3.0	1.0	1224	$1,895	$1.55	3d	1	0.25mi
132 Folcroft Ave Folcroft, PA	2.0	1.0	725	$1,679	$2.32	2d	3	0.40mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	44d	1	0.42mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	24d	1	0.42mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	22d	1	0.46mi
1201 Bartram Ave Darby, PA	2.0	1.0	700	$1,350	$1.93	11d	1	0.56mi
1074 N Academy Ave Glenolden, PA	3.0	1.0	1152	$1,850	$1.61	5d	1	0.61mi
304 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	43d	1	0.62mi
306 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	4d	1	0.62mi
1512 Elmwood Ave Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	0.62mi
145 Isabel Ave Unit 145B Glenolden, PA	2.0	1.0	890	$1,525	$1.71	43d	1	0.64mi
1505 Elmwood Ave Unit 5 Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	0.64mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	850	$1,799	$2.12	43d	1	0.65mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	0.65mi
1513 Elmwood Ave Unit 4 Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	0.65mi
1513 Elmwood Ave Unit 5 Folcroft, PA	3.0	1.0	850	$1,799	$2.12	43d	1	0.65mi
1511 Elmwood Ave Folcroft, PA	1.0–3.0	1.0	725	$1,649	$2.27	24d	3	0.65mi
29 Logan Ave Unit 11 Glenolden, PA	2.0	1.0	850	$1,350	$1.59	24d	1	0.77mi
100 S Oak Ave Glenolden, PA	1.0–2.0	1.0–2.0	830	$1,500	$1.81	24d	3	0.81mi
925 Maple Ave Glenolden, PA	3.0	2.0	1152	$2,800	$2.43	22d	1	0.88mi
902 Maple Ave Glenolden, PA	3.0	1.0	1152	$1,745	$1.51	43d	1	0.88mi
820 Greenhill Rd Sharon Hill, PA	4.0	2.0	1184	$2,600	$2.20	5d	1	0.91mi
201 Westbridge Rd Glenolden, PA	3.0	1.5	1224	$2,350	$1.92	24d	1	0.97mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	22d	1	1.00mi
601 Poplar St Sharon Hill, PA	1.0–2.0	1.0	787	$1,599	$2.03	15d	5	1.01mi
926 Green Ln Secane, PA	2.0	1.0	862	$2,185	$2.53	43d	1	1.04mi
350 S Scott Ave Unit 1 Glenolden, PA	2.0	1.0	715	$1,700	$2.38	24d	1	1.06mi
100 E Glenolden Ave Glenolden, PA	1.0–4.0	1.0–2.0	920	$2,167	$2.36	1d	4	1.10mi
432 S Chester Pike Glenolden, PA	2.0	1.0	792	$1,325	$1.67	44d	1	1.16mi
909 Springfield Rd Unit D Darby, PA	4.0	1.0	900	$1,600	$1.78	43d	1	1.17mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	15d	1	1.19mi
700 Pine St Unit 2F Darby, PA	2.0	1.0	1100	$1,250	$1.14	18d	1	1.28mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	800	$1,450	$1.81	11d	1	1.29mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	1000	$1,450	$1.45	24d	1	1.29mi
640 South Ave Secane, PA	1.0–2.0	1.0–1.5	742	$1,600	$2.16	12d	5	1.30mi
1519 Roosevelt Dr Sharon Hill, PA	3.0	1.5	1260	$2,295	$1.82	43d	1	1.33mi
1 Jefferson St Unit 413D Clifton Heights, PA	3.0	1.0	800	$1,529	$1.91	43d	1	1.33mi
804 Grant Rd Folcroft, PA	3.0	1.0	1088	$2,050	$1.88	43d	1	1.35mi
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	43d	1	1.36mi
304 Christopher Pl Unit 1st Floor Primos, PA	2.0	1.0	875	$1,400	$1.60	3d	1	1.38mi

Listing history 14 events

1. 2026-06-17
   days on market $175,000 Active 18 DOM
2. 2026-06-16
   days on market $175,000 Active 17 DOM
3. 2026-06-15
   days on market $175,000 Active 16 DOM
4. 2026-06-13
   days on market $175,000 Active 14 DOM
5. 2026-06-13
   days on market $175,000 Active 13 DOM
6. 2026-06-09
   days on market $175,000 Active 10 DOM
7. 2026-06-08
   days on market $175,000 Active 9 DOM
8. 2026-06-07
   days on market $175,000 Active 8 DOM
9. 2026-06-04
   days on market $175,000 Active 5 DOM
10. 2026-06-03
    days on market $175,000 Active 4 DOM
11. 2026-06-02
    days on market $175,000 Active 3 DOM
12. 2026-06-01
    days on market $175,000 Active 2 DOM
13. 2026-05-31
    remarks 482-char remark
14. 2026-05-31
    listed $175,000 Active 1 DOM

ⓘ 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: $4,086 · $340/mo
• Projected year-2 tax: $4,086 · $340/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,558
• − Mortgage interest: −$9,803
• − Property taxes: −$4,086
• − Insurance: −$875
• − Repairs & maintenance: −$1,805
• − Management: −$1,805
• − Depreciation: −$5,091
• Taxable loss: −$906
• Est. tax savings @ 24.0%: +$217
• After-tax cash flow: $2,065/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: Southeast Delco SD
• NCES district ID: 4222400
• Math proficiency: 13% ▼ -8.00%
• Reading proficiency: 33% ▼ -9.00%
• Median HH income: $49,309
• Composite: 20.25/100
• National rank: #8623
• State rank: #478 of 539 in PA

Livability — Collingdale

• Score: 84/100
• State rank: #105
• US rank: #781

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Collingdale, PA
• County: Delaware County · 399,863 people
• City population: 22,247
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 22,247
• Household income: $46,463
• Rent vs Own: 47.4% rent · 52.6% own
• Severe rent burden: 1468.0

Population outlook (Delaware County) Hauer SSP2

• Today (2025): 577,490 people
• By 2030: 581,243 · +0.6%
• By 2040: 584,700 · +1.2%
• By 2050: 586,581 · +1.6%
• By 2075: 598,706 · +3.7%
• By 2100: 590,823 · +2.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (76%)
• Race & ethnicity: Black 76% White 15% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Swiss 5% Hispanic 1% Romanian 1%
• Foreign-born: 18% · Canada
• Languages at home: 84% English-only · French/Haitian/Cajun 4% Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Delaware

• 2024 margin: Strong D (+23.7) · D 61.4% · R 37.6% · Other 1.0%
• 2008→2024 swing: +2.3pp toward D · 2008: 21.4pp · 2024: 23.7pp
• All cycles: 2024: D+23.7 2020: D+26.7 2016: D+22.0 2012: D+21.8 2008: D+21.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -190.50%
• Current HPI: 277.7034
• Rent YoY: ▲ 13.10%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• 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

+614.3% since first listed

21 events — show timeline

• 2026-05-30 Listed $175,000 BRIGHT MLS
• 2023-12-28 Pending — BRIGHT MLS
• 2023-10-17 Pending — BRIGHT MLS
• 2023-10-17 Listing Removed — BRIGHT MLS
• 2023-10-10 Listed $119,000 BRIGHT MLS
• 2021-10-19 Sold (Public Records) $75,000 Public Records
• 2021-08-30 Sold (MLS) $75,000 BRIGHT MLS
• 2021-07-30 Pending — BRIGHT MLS
• 2021-07-23 Price Changed $84,890 BRIGHT MLS
• 2021-07-17 Price Changed $84,900 BRIGHT MLS
• 2021-06-29 Price Changed $89,900 BRIGHT MLS
• 2021-06-26 Price Changed $99,969 BRIGHT MLS
• 2021-06-18 Price Changed $99,979 BRIGHT MLS
• 2021-06-10 Price Changed $99,989 BRIGHT MLS
• 2021-06-04 Listed $99,999 BRIGHT MLS
• 2011-06-10 Sold (MLS) $27,500 BRIGHT MLS
• 2011-06-10 Sold (MLS) $27,500 TREND
• 2011-05-09 Listing Removed — BRIGHT MLS
• 2011-02-01 Listed $60,000 BRIGHT MLS
• 2011-02-01 Listed $60,000 TREND
• 1978-04-25 Sold (Public Records) $24,500 Public Records

Property tax history

+3.0%/yr

Latest (2026): $4,086 · -5.9% YoY. Source: county tax records.