102 S Locust Ln · Flinton, PA 16640

$70,000

3 bd · 1.0 ba · 482 sqft · SingleFamily · 240 Days on market

Built 2000 Average condition 5,227 sqft lot $145/sqft · at area comps Est $70k · at est. $54/mo HOA · 5% of rent ↓ 7% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.2/15.0
• Appreciation +7.1/10.0
• Schools +4.2/10.0
• Condition / age +2.8/5.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0

Listing remarks MLS

If you are looking for privacy, space for the whole family and all the comforts of home, look no more. This property is tucked in to a quiet corner. The unit has an addition along with a large porch area, a pavilion cover for your boat, car or golf cart. The large shed houses a washer and dryer along with an additional refrigerator. Utilities are set up for year round living.

Key facts

• Large porch area
• Pavilion cover
• Washer and dryer

Tags

• LARGE PORCH AREA
• PAVILION COVER
• LARGE SHED
• WASHER AND DRYER
• ADDITIONAL REFRIGERATOR
• YEAR ROUND LIVING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $376 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $62k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• 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: 40 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 $3k of equity ($484 loan paydown + $3k appreciation (4.1% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.1% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 240 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.

Recommended offer $61,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 240 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.65% ✓
• Cap rate: 12.75%
• Cash-on-cash: 23.05%
• DSCR: 2.03
• GRM: 5.0

CMA / ARV

• ARV (median comp): $69,540
• List price: $70,000
• Delta: 0.66%
• Verdict: FAIR
• Comps: 2 within 1.0 mi

Projected returns pro-forma

4.13% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 31.4%
• Equity multiple: 2.87×
• Total profit: $36,718
• Equity at exit: $36,005

10-year hold

• IRR: 30.7%
• Equity multiple: 5.70×
• Total profit: $92,181
• Equity at exit: $59,303

Cash invested: $19,600 (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 16640

• Home prices YoY: 3.4%
• Active inventory: 40
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,157 medium
• Mortgage (P&I): −$367
• Tax est. 1.5%: −$88 /mo · $1,050/yr
• Insurance: −$29
• HOA: −$54
• Vacancy / Maint / Mgmt: −$243
• Net cashflow: $376

Break-even live

Break-even rent $681

Max offer price $70,000

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $54 · $648/yr

Listing history 18 events

1. 2026-06-19
   days on market $70,000 Active 240 DOM
2. 2026-06-18
   days on market $70,000 Active 239 DOM
3. 2026-06-17
   days on market $70,000 Active 238 DOM
4. 2026-06-16
   days on market $70,000 Active 237 DOM
5. 2026-06-15
   days on market $70,000 Active 236 DOM
6. 2026-06-14
   days on market $70,000 Active 234 DOM
7. 2026-06-13
   days on market $70,000 Active 233 DOM
8. 2026-06-10
   days on market $70,000 Active 231 DOM
9. 2026-06-09
   days on market $70,000 Active 230 DOM
10. 2026-06-08
    days on market $70,000 Active 229 DOM
11. 2026-06-07
    days on market $70,000 Active 228 DOM
12. 2026-06-02
    days on market $70,000 Active 223 DOM
13. 2026-06-01
    days on market $70,000 Active 222 DOM
14. 2026-05-31
    days on market $70,000 Active 221 DOM
15. 2026-05-30
    days on market $70,000 Active 220 DOM
16. 2026-05-06
    price $70,000 378-char remark

    Show marketing remark (378 chars)

    If you are looking for privacy, space for the whole family and all the comforts of home, look no more. This property is tucked in to a quiet corner. The unit has an addition along with a large porch area, a pavilion cover for your boat, car or golf cart. The large shed houses a washer and dryer along with an additional refrigerator. Utilities are set up for year round living.

17. 2026-05-02
    price $65,000 378-char remark

    Show marketing remark (378 chars)

    If you are looking for privacy, space for the whole family and all the comforts of home, look no more. This property is tucked in to a quiet corner. The unit has an addition along with a large porch area, a pavilion cover for your boat, car or golf cart. The large shed houses a washer and dryer along with an additional refrigerator. Utilities are set up for year round living.

18. 2025-10-23
    listed $75,000 Active 378-char remark

    Show marketing remark (378 chars)

    If you are looking for privacy, space for the whole family and all the comforts of home, look no more. This property is tucked in to a quiet corner. The unit has an addition along with a large porch area, a pavilion cover for your boat, car or golf cart. The large shed houses a washer and dryer along with an additional refrigerator. Utilities are set up for year round living.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,887
• − Mortgage interest: −$3,921
• − Property taxes: −$1,050
• − Insurance: −$350
• − Repairs & maintenance: −$1,111
• − Management: −$1,111
• − HOA: −$648
• − Depreciation: −$2,036
• Taxable income: $3,659
• Est. tax owed @ 24.0%: −$878
• After-tax cash flow: $3,639/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.

Condition & rehab AI · 12 photos

Average 55/100 Moderate rehab

The property requires moderate renovations to improve its condition and value. Key areas for improvement include painting, organizing the shed, and landscaping. These updates will enhance both the resale and rental value of the home.

Repairs flagged

• Minor Kitchen countertops — Worn appearance
• Minor Bathroom fixtures — Signs of wear
• Minor Exterior siding — Visible signs of wear
• Minor Foundation cracks — Minor cracks present
• Minor HVAC unit — Visible signs of wear

Value-add opportunities

• Both Paint interior walls — Fresh paint can improve the overall appearance and value of the home.
• Both Clean and organize exterior shed — A clean and organized shed can add to the overall appeal and functionality of the property.
• Both Trim and maintain landscaping — Well-maintained landscaping can enhance curb appeal and property value.
• Resale Replace worn kitchen countertops — New countertops can significantly improve the kitchen's appearance and functionality.
• Resale Replace worn bathroom fixtures — Fresh fixtures can enhance the bathroom's appearance and functionality.
• Both Repair foundation cracks — Stabilizing the foundation can improve the home's structural integrity and overall value.
• Both Replace worn HVAC unit — A new HVAC unit can improve comfort and energy efficiency, enhancing both resale and rental value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen countertops · Worn appearance	Minor	$500–3,000
Bathroom fixtures · Signs of wear	Minor	$500–3,000
Exterior siding · Visible signs of wear	Minor	$500–3,000
Foundation cracks · Minor cracks present	Minor	$500–3,000
HVAC unit · Visible signs of wear	Minor	$500–3,000
Total estimated repair cost · 5 items		$2,500–15,000

Value-add ROI direction

• Both Paint interior walls — Fresh paint can improve the overall appearance and value of the home. ↑
• Both Clean and organize exterior shed — A clean and organized shed can add to the overall appeal and functionality of the property. ↑
• Both Trim and maintain landscaping — Well-maintained landscaping can enhance curb appeal and property value. ↑
• Resale Replace worn kitchen countertops — New countertops can significantly improve the kitchen's appearance and functionality. ↑
• Resale Replace worn bathroom fixtures — Fresh fixtures can enhance the bathroom's appearance and functionality. ↑
• Both Repair foundation cracks — Stabilizing the foundation can improve the home's structural integrity and overall value. ↑
• Both Replace worn HVAC unit — A new HVAC unit can improve comfort and energy efficiency, enhancing both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Flinton

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

Census & demographics

• Population (ZIP): 942

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 (96%)
• Race & ethnicity: White 96% Two or more races 3%
• Common ancestry: Romanian 8% Lithuanian 5% Italian 3%
• Foreign-born: 0%
• Languages at home: 97% English-only · German/W. Germanic 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: ▲ 4.13%
• Current HPI: 124.7092
• 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

-6.7% since first listed

3 events — show timeline

• 2026-05-06 Price Changed $70,000 AHARMLS
• 2026-05-02 Price Changed $65,000 AHARMLS
• 2025-10-23 Listed $75,000 AHARMLS