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4 Briarwood Ct N
F Composite 31.51
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).

  • 1% rule +10.0/10.0
  • Cash flow +7.7/30.0
  • Schools +4.4/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +1.8/10.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$85,000

4 Briarwood Ct N · East Allen, PA 18014
3 bd · 2.0 ba · 1,120 sqft · Manufactured public records · 30 Days on market
Built 2000 Est $62k · 38% over $998/mo HOA · 55% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Discover comfortable living in this charming 3 bedroom 2 bath manufactured home, nestled amidst a grassy lawn and mature trees. A welcoming, partially covered deck with sturdy wooden railings offers an ideal space for outdoor relaxation and entertaining. Step inside to a thoughtfully designed interior featuring durable wood-look flooring throughout the home, including the spacious living areas and cozy bedrooms. The living room boasts a refreshing ceiling fan and vaulted ceilings, creating an open and airy atmosphere. The well-equipped eat-in kitchen showcases white cabinetry, some stainless steel appliances including a dishwasher, microwave and refrigerator. The master bedroom offers a spa

Key facts

  • Wood look flooring
  • Well maintained lawn
  • Private parking

Tags

PARTIALLY COVERED DECKWOOD LOOK FLOORINGWALK IN CLOSETDEDICATED UTILITY ROOMWELL MAINTAINED LAWNPRIVATE PARKING

Property features AI

Finance

  • Other: Above grade finished area: 1,120
  • HOA & community: Association fee: $998 monthly; Property has a land lease

Exterior

  • Parking: Off-street parking; Parking pad
  • Utilities: 200+ amp electrical service with circuit breakers; Community/coop sewer; Community/coop water
  • Home design: Single-story; Asphalt/fiberglass roof; Aluminum and vinyl siding
  • Construction: Aluminum siding; Vinyl siding; Asphalt/fiberglass roof
  • Exterior features: Deck; Propane tank (leased); Mobile home on property; Residential zoning

Interior

  • Kitchen: Dishwasher; Gas cooktop; Microwave; Refrigerator
  • Bedrooms: Total rooms: 6
  • Flooring: Hardwood; Tile
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Forced air heating (gas and propane); Central air; Ceiling fans
  • Interior features: Eat-in kitchen; Vaulted ceilings; Walk-in closet(s)
  • Laundry & utility: Electric water heater

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 3-bed/2.0-bath manufactured listed at $85k.

Deal economics

  • At list price, monthly cash flow is $-97 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $68k (20.1% below list).
  • Meets the 1% rule at list price ($2k rent vs $85k).
  • Recommended offer: $68k (20.1% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
  • Northampton Area SD (suburban): math 47% / reading 54% proficiency, ranked #153 of 539 in PA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 62 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 567 units permitted in Northampton County in 2024 (151 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

  • It's been on market 30 days — a 2% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 24y 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.

Risks & watch-outs

  • Watch-outs: HOA is 55% of rent.
  • Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $67,938 (20.1% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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.
  6. 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.
  7. 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
2.15%
Cap rate
4.93%
Cash-on-cash
-4.87%
DSCR
0.78
GRM
3.9

CMA / ARV

ARV (on-the-fly)
$61,600
Comps found
6
Show comp detail 6 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
190 Greenbriar Dr S 0.45mi 2/2.0 (-1) 1,116 (-0%) 7mo $75,000 $67 68
285 Greenbriar Dr 0.15mi 2/2.0 (-1) 980 (-12%) 2mo $23,000 $23 66
223 S Greenbriar Dr 0.39mi 2/1.0 (-1) 1,000 (-11%) 6mo $54,900 $55 50
228 Greenbriar Dr 0.36mi 3/2.0 1,253 (+12%) 19mo $58,000 $46 47
117 Elder Ct 0.50mi 3/2.0 1,008 (-10%) 21mo $58,000 $58 42
124 Greenbriar Dr N 0.50mi 2/1.0 (-1) 1,288 (+15%) 14mo $65,400 $51 31

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
-23.5%
Equity multiple
0.19×
Total profit
$-19,310
Equity at exit
$12,674
10-year hold
IRR
-16.0%
Equity multiple
0.07×
Total profit
$-22,238
Equity at exit
$7,349

Cash invested: $23,800 (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 18014

Active inventory
62
Price-to-rent
3.9×

Monthly cashflow live

Estimated rent
$1,831 high interval (Pro) →
Mortgage (P&I)
$446
Tax from tax record
$64 /mo · $766/yr
Insurance
$35
HOA
$998
Vacancy / Maint / Mgmt
$384
Net cashflow
$-97

Break-even live

Break-even rent $1,953
Max offer price $67,938
Occupancy floor

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
$21,250
Closing costs
$2,550
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.

Rent comps 6 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
216 Penn St #8 Bath, PA 2.0 1.0 1000 $1,750 $1.75 2d 1 0.71mi
112 S Chestnut St Bath, PA 2.0 1.0 800 $1,750 $2.19 43d 1 0.92mi
150 N Walnut St Apt A Bath, PA 2.0 1.0 1000 $1,295 $1.29 43d 1 0.98mi
252 N Walnut St #208 Bath, PA 2.0 1.5 1100 $1,850 $1.68 2d 1 1.14mi
282 N Walnut St Bath, PA 1.0–2.0 1.0–2.0 1025 $2,250 $2.20 2d 8 1.20mi
284 N Walnut St Unit 284-107 Bath, PA 2.0 2.0 1175 $2,250 $1.91 13d 1 1.27mi

HOA detail

Monthly dues
$998 · $11,976/yr

Listing history 18 events

  1. 2026-06-18
    days on market $85,000 Active 30 DOM
  2. 2026-06-17
    days on market $85,000 Active 29 DOM
  3. 2026-06-16
    days on market $85,000 Active 28 DOM
  4. 2026-06-15
    days on market $85,000 Active 27 DOM
  5. 2026-06-14
    days on market $85,000 Active 25 DOM
  6. 2026-06-10
    days on market $85,000 Active 22 DOM
  7. 2026-06-09
    days on market $85,000 Active 21 DOM
  8. 2026-06-08
    days on market $85,000 Active 20 DOM
  9. 2026-06-07
    days on market $85,000 Active 19 DOM
  10. 2026-06-05
    days on market $85,000 Active 16 DOM
  11. 2026-06-03
    days on market $85,000 Active 15 DOM
  12. 2026-06-02
    days on market $85,000 Active 14 DOM
  13. 2026-06-01
    days on market $85,000 Active 13 DOM
  14. 2026-05-31
    days on market $85,000 Active 12 DOM
  15. 2026-05-31
    days on market $85,000 Active 11 DOM
  16. 2026-05-19
    listed $85,000 Active
  17. 2002-11-24
    historical
  18. 2002-02-27
    listed $45,000

ⓘ 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
$766 · $64/mo
Projected year-2 tax
$1,054 · $88/mo
Expected delta
+$289/yr (+$24/mo · 37.7%)

ⓘ 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 5/10 Major 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 17% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$21,971
− Mortgage interest
−$4,761
− Property taxes
−$766
− Insurance
−$425
− Repairs & maintenance
−$1,758
− Management
−$1,758
− HOA
−$11,976
− Depreciation
−$2,473
Taxable loss
−$1,946
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$467
After-tax cash flow
$-692/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
Northampton Area SD
NCES district ID
4217370
Math proficiency
47% ▼ -1.00%
Reading proficiency
54% ▼ -13.00%
Median HH income
$62,326
Composite
44.35/100
National rank
#2822
State rank
#153 of 539 in PA

Livability — East Allen

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Population (ZIP)
12,474

Population outlook (Northampton County) Hauer SSP2

Today (2025)
312,227 people
By 2030
314,769 · +0.8%
By 2040
316,914 · +1.5%
By 2050
318,037 · +1.9%
By 2075
334,003 · +7.0%
By 2100
344,696 · +10.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (88%)
Race & ethnicity
White 88% Hispanic / Latino 6% Two or more races 4% Black 3%
Hispanic origin (detail)
Puerto Rican 3%
Common ancestry
Romanian 4% Polish 3% Danish 3%
Foreign-born
2% · Canada
Languages at home
95% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Northampton

2024 margin
Toss-up / Even · D 48.6% · R 50.4%
2008→2024 swing
-14.1pp toward R · 2008: 12.3pp · 2024: -1.8pp
All cycles
2024: R+1.8 2020: D+0.7 2016: R+3.8 2012: D+4.6 2008: D+12.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -145.54%
Current HPI
212.4688
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

+88.9% since first listed
3 events — show timeline
  • 2026-05-19 Listed $85,000 GLVRMLS
  • 2002-11-24 Listing Removed GLVRMLS
  • 2002-02-27 Listed $45,000 GLVRMLS

Property tax history

+1.3%/yr

Latest (2026): $766 · +3.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…