571 Schubert Rd · Schubert, PA 19507

$100,000

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 48 Days on market

Built 2015 0.75 ac lot $99/sqft · 56% below area

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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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• Schools +3.8/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Public Auction Friday, May 15, 2026 @ 5 PM. Open House Saturday, May 2 & 9 from 1-3 PM. Buyer required a 10% non-refundable deposit. Settlement within 45 days. Buyer pays the 2% RE Transfer Tax. List price does not reflect the final sales price. * * Schubert/Bethel/Strausstown Area Country . 75 Acre Lot featuring a 14x80 Mobile Home w/ Vinyl Siding, 6" Walls, 2 BRs & 2 Baths, C/A. Propane Heat. A nice level country, .75 Acres with a manufactured home that could use some TLC. Ideal property for an investment, starter home, or if looking to downsize. Easy access to Rts. 419, 183, & 1-78.

Key facts

• 0.75 acre lot
• 8 parking spots
• Built 2015

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $487 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#1,512 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Tulpehocken Area SD (rural): math 36% / reading 51% proficiency, ranked #273 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 18 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 $11k of equity ($691 loan paydown + $10k 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 $28k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.

Recommended offer $97,000 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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: 1.49% ✓
• Cap rate: 12.14%
• Cash-on-cash: 20.87%
• DSCR: 1.93
• GRM: 5.6

CMA / ARV

• ARV (median comp): $243,596
• List price: $100,000
• Delta: -58.95%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 39.9%
• Equity multiple: 4.05×
• Total profit: $85,508
• Equity at exit: $90,088

10-year hold

• IRR: 34.4%
• Equity multiple: 9.12×
• Total profit: $227,457
• Equity at exit: $194,278

Cash invested: $28,000 (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 19507

• Home prices YoY: 6.4%
• Active inventory: 18
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,493 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$126 /mo · $1,512/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $487

Break-even live

Break-even rent $876

Max offer price $100,000

Occupancy floor 62%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-18
   status Pending 616-char remark

   Show marketing remark (616 chars)

   Public Auction Friday, May 15, 2026 @ 5 PM. Open House Saturday, May 2 & 9 from 1-3 PM. Buyer required a 10% non-refundable deposit. Settlement within 45 days. Buyer pays the 2% RE Transfer Tax. List price does not reflect the final sales price. * * Schubert/Bethel/Strausstown Area Country . 75 Acre Lot featuring a 14x80 Mobile Home w/ Vinyl Siding, 6" Walls, 2 BRs & 2 Baths, C/A. Propane Heat. A nice level country, .75 Acres with a manufactured home that could use some TLC. Ideal property for an investment, starter home, or if looking to downsize. Easy access to Rts. 419, 183, & 1-78.

2. 2026-03-31
   listed $100,000 Active 616-char remark

   Show marketing remark (616 chars)

   Public Auction Friday, May 15, 2026 @ 5 PM. Open House Saturday, May 2 & 9 from 1-3 PM. Buyer required a 10% non-refundable deposit. Settlement within 45 days. Buyer pays the 2% RE Transfer Tax. List price does not reflect the final sales price. * * Schubert/Bethel/Strausstown Area Country . 75 Acre Lot featuring a 14x80 Mobile Home w/ Vinyl Siding, 6" Walls, 2 BRs & 2 Baths, C/A. Propane Heat. A nice level country, .75 Acres with a manufactured home that could use some TLC. Ideal property for an investment, starter home, or if looking to downsize. Easy access to Rts. 419, 183, & 1-78.

ⓘ 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: $1,512 · $126/mo
• Projected year-2 tax: $1,546 · $129/mo
• Expected delta: +$34/yr (+$3/mo · 2.2%)

ⓘ 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 ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,911
• − Mortgage interest: −$5,602
• − Property taxes: −$1,512
• − Insurance: −$500
• − Repairs & maintenance: −$1,433
• − Management: −$1,433
• − Depreciation: −$2,909
• Taxable income: $4,523
• Est. tax owed @ 24.0%: −$1,085
• After-tax cash flow: $4,759/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: Tulpehocken Area SD
• NCES district ID: 4223820
• Math proficiency: 36% ▼ -19.00%
• Reading proficiency: 51% ▼ -11.00%
• Median HH income: $60,653
• Composite: 38.36/100
• National rank: #4213
• State rank: #273 of 539 in PA

Livability — Schubert

• Score: 59/100
• State rank: #1512
• US rank: #19610

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Schubert, PA
• Population (ZIP): 3,744

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 (93%)
• Race & ethnicity: White 93% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Serbian 7% Italian 1% Iranian 1%
• Foreign-born: 2%
• Languages at home: 92% English-only · Spanish 4% German/W. Germanic 3%

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: ▲ 22.65%
• Current HPI: 377.2798
• 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
• 2026-03-31 Listed $100,000 BRIGHT MLS

Property tax history

-3.4%/yr

Latest (2018): $1,512 · -31.8% YoY. Source: county tax records.