713-715 Linden Ave · Johnstown, PA 15902

$75,000

6 bd · 2.0 ba · 2,360 sqft · MultiFamily · 300 Days on market

Built 1920 4,792 sqft lot $32/sqft · 32% above area Est $57k · 32% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

Key facts

• 4,792 sq ft lot
• Garage
• Listed 299 days

What this means for you Summary

Snapshot

• This is a 2 × 3-bed/1.0-bath units multifamily listed at $75k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive. Per door: $514/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 22.8% vs local median 15.0% in Johnstown — 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 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 64 active listings in the ZIP; lower-income renter base — watch delinquency; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).
• At $2,013/mo this rent would consume 55% of the median local household income ($44k/yr) (locally 266% 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 $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% 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 $21k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 300 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 19y ago; this cycle's ask is 10614% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 300 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 2.68% ✓
• Cap rate: 22.75%
• Cash-on-cash: 58.78%
• DSCR: 3.62
• GRM: 3.1

CMA / ARV

• ARV (median comp): $56,910
• List price: $75,000
• Delta: 31.79%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
534-536 Highland Ave	0.27mi	6/—	2,408 (+2%)	0mo	$66,000	$27	84
346-348 Linden Ave	0.43mi	6/2.0	2,432 (+3%)	1mo	$86,500	$36	74
660-R660 Russell Ave	0.10mi	5/3.0 (-1)	2,376 (+1%)	14mo	$65,000	$27	74
828-830 Grove Ave	0.23mi	6/2.0	2,448 (+4%)	14mo	$60,000	$25	71
529-531 Linden Ave	0.27mi	6/2.0	2,480 (+5%)	14mo	$45,000	$18	67
752-754 Highland Ave	0.08mi	6/2.0	2,204 (-7%)	23mo	$30,000	$14	66
800-802 Vickroy Ave	0.50mi	6/3.0	2,256 (-4%)	1mo	$100,000	$44	65
548-550 Ferndale Ave	0.46mi	6/2.0	2,560 (+8%)	5mo	$78,500	$31	60
809-811 Grove Ave	0.22mi	6/2.0	2,688 (+14%)	8mo	$40,000	$15	60
601 Linden Ave	0.17mi	5/2.0 (-1)	2,060 (-13%)	14mo	$36,500	$18	55
1146-1148 Boyd Ave	0.75mi	6/2.0	2,208 (-6%)	3mo	$65,000	$29	52
523-525 Vickroy Ave	0.51mi	6/2.0	2,560 (+8%)	13mo	$80,000	$31	52

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: 57.4%
• Equity multiple: 3.54×
• Total profit: $53,418
• Equity at exit: $11,183

10-year hold

• IRR: 62.3%
• Equity multiple: 7.24×
• Total profit: $131,106
• Equity at exit: $6,485

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 15902

• Home prices YoY: -28.8%
• Active inventory: 64
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $2,013 high
• Mortgage (P&I): −$393
• Tax from tax record: −$137 /mo · $1,645/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $1,029

Break-even live

Break-even rent $711

Max offer price $75,000

Occupancy floor 44%

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	3	1	$2,014
Total (2 units)			$2,013

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 40 events

1. 2026-06-19
   days on market $75,000 Active 300 DOM
2. 2026-06-18
   days on market $75,000 Active 299 DOM
3. 2026-06-17
   days on market $75,000 Active 298 DOM
4. 2026-06-16
   days on market $75,000 Active 297 DOM
5. 2026-06-15
   days on market $75,000 Active 296 DOM
6. 2026-06-14
   days on market $75,000 Active 294 DOM
7. 2026-06-12
   days on market $75,000 Active 293 DOM
8. 2026-06-09
   days on market $75,000 Active 290 DOM
9. 2026-06-08
   days on market $75,000 Active 289 DOM
10. 2026-06-07
    days on market $75,000 Active 288 DOM
11. 2026-06-05
    days on market $75,000 Active 285 DOM
12. 2026-06-02
    days on market $75,000 Active 283 DOM
13. 2026-06-01
    days on market $75,000 Active 282 DOM
14. 2026-05-31
    days on market $75,000 Active 281 DOM
15. 2026-05-30
    days on market $75,000 Active 280 DOM
16. 2026-02-23
    historical $700
17. 2026-02-23
    listed $700
18. 2026-02-23
    historical $700
19. 2026-01-20
    listed $700
20. 2026-01-13
    price $75,000 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

21. 2026-01-07
    status Active 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

22. 2025-12-22
    status Pending 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

23. 2025-12-16
    status Active 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

24. 2025-11-28
    historical $700
25. 2025-11-25
    status Pending 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

26. 2025-11-05
    price $700
27. 2025-11-05
    historical $700
28. 2025-11-04
    listed $795
29. 2025-11-04
    listed $795
30. 2025-10-08
    price $79,000 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

31. 2025-09-29
    price $87,000 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

32. 2025-09-19
    status Active 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

33. 2025-07-31
    historical Active Under Contract 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

34. 2025-07-17
    listed $89,000 Active 187-char remark

    Show marketing remark (187 chars)

    Fully rented, brick 2-unit double house. Each side features 3 bedrooms, 1 bath, living room, dining room, kitchen, attic and basement. Tenants pay gas, electric, garbage, water and sewer.

35. 2024-07-16
    soldstatus $76,000
36. 2007-05-22
    listed $49,900
37. 2007-03-21
    soldstatus $18,000
38. 2007-03-05
    soldstatus $18,000
39. 2007-02-26
    listed $22,900
40. 1990-06-01
    soldstatus $17,000

ⓘ 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: $1,645 · $137/mo
• Projected year-2 tax: $1,645 · $137/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 4/10 Moderate 7 d/yr ≥93°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

Taxation est. · year 1

• Rental income: $24,156
• − Mortgage interest: −$4,201
• − Property taxes: −$1,645
• − Insurance: −$375
• − Repairs & maintenance: −$1,932
• − Management: −$1,932
• − Depreciation: −$2,182
• Taxable income: $11,888
• Est. tax owed @ 24.0%: −$2,853
• After-tax cash flow: $9,490/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Johnstown, PA
• County: Cambria County · 30,791 people
• City population: 30,791
• Metro: Johnstown, PA
• Population (ZIP): 11,462
• Household income: $44,215
• Rent vs Own: 35.7% rent · 64.3% own
• Severe rent burden: 266.0

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 (75%)
• Race & ethnicity: White 75% Two or more races 14% Black 8% Hispanic / Latino 3%
• Common ancestry: Romanian 7% Slovak 2% Hungarian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -43.86%
• Current HPI: 108.2198
• Rent YoY: —
• Metro: Johnstown, PA
• 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

+341.2% since first listed

25 events — show timeline

• 2026-02-23 Rental Removed $700 CSMLS
• 2026-02-23 Listed for Rent $700 CSMLS
• 2026-02-23 Rental Removed $700 APPFOLIO
• 2026-01-20 Listed for Rent $700 APPFOLIO
• 2026-01-13 Price Changed $75,000 CSMLS
• 2026-01-07 Relisted — CSMLS
• 2025-12-22 Pending — CSMLS
• 2025-12-16 Relisted — CSMLS
• 2025-11-28 Rental Removed $700 APPFOLIO
• 2025-11-25 Pending — CSMLS
• 2025-11-05 Price Changed $700 APPFOLIO
• 2025-11-05 Rental Removed $700 CSMLS
• 2025-11-04 Listed for Rent $795 APPFOLIO
• 2025-11-04 Listed for Rent $795 CSMLS
• 2025-10-08 Price Changed $79,000 CSMLS
• 2025-09-29 Price Changed $87,000 CSMLS
• 2025-09-19 Relisted — CSMLS
• 2025-07-31 Contingent — CSMLS
• 2025-07-17 Listed $89,000 CSMLS
• 2024-07-16 Sold (Public Records) $76,000 Public Records
• 2007-05-22 Listed $49,900 CSMLS
• 2007-03-21 Sold (MLS) $18,000 CSMLS
• 2007-03-05 Sold (Public Records) $18,000 Public Records
• 2007-02-26 Listed $22,900 CSMLS
• 1990-06-01 Sold (Public Records) $17,000 Public Records

Property tax history

+0.2%/yr

Latest (2026): $1,645 · +0.0% YoY. Source: county tax records.