Most shotgun houses in America: what to check before buying a 100-year-old rental

Most shotgun houses in America: what to check before buying a 100-year-old rental

Real Estate Agent · Louisville, KY · Member since 2017 · 1k+ posts · 1k+ votes

Here's something most people who live here don't even know. Louisville has the largest collection of Victorian mansions in the United States. Louisville also has more shotgun houses than any other city in America. Number one in both. The fanciest houses of that era and the plainest, in the same city, built in the same thirty-ish years, a few miles apart.

That's not a coincidence. Between 1870 and 1900 the city doubled, to about 200,000 people, mostly immigrants working in tanneries, packing houses, distilleries, foundries, rail yards and tobacco warehouses. Nobody had a car. You walked to work. So you needed a place close to the plant, cheap enough to afford on a factory wage. Hundreds of local builders answered that with the same house over and over: the shotgun. A lot of them were built to be rentals in the first place. They've been doing that job for over a century.

If you've never been inside one: one room wide, usually 12 to 15 feet across. Three or four rooms deep, in a straight line. No hallway. You walk from the front room through the bedroom to get to the kitchen.

Two variations worth knowing if you invest:

  • Double-barrel: two shotguns sharing a middle wall, side by side, two front doors. That's a duplex, and a built-in house hack. Live on one side, rent the other, and let your tenant help pay your mortgage.

  • Camelback: a shotgun with a second story on just the back half. Gets you an extra bedroom on the same skinny lot.

I pulled the MLS this week. There are 119 single-family homes for sale in Jefferson County where the listing agent tagged the style as "shotgun." The median asking price is about $139,000. Seventy-three of them, about three out of every five, are asking under $200,000. (Agents choose the style tag, so the real number is probably a little higher.)

There are 22 single-family homes for sale in the Old Louisville preservation district. Median asking price is $409,000. Same city, roughly three times the price.

What I tell people to look at before buying either one:

Shotguns. These are 100-year-old houses. Bathrooms were often added decades later, sometimes not well. Look hard at the foundation, the wiring, the roof and the drainage. Small lot, small yard, small utility bill. And under $200K is the slowest slice of our market right now (sales down 22% from last year), so that's where the tired sellers are. Ask the seller to help with closing costs, ask about a rate buydown, ask if their loan is assumable.

Big Victorians. A lot of them are already split into two to eight units. Know going in that Old Louisville is a local preservation district, so changes to the outside of the house go through the city's Landmarks review. Budget time for that. Old houses also mean slate roofs, built-in box gutters, plaster walls, and sometimes old knob-and-tube wiring. And if you're restoring a qualifying historic building, there are federal and Kentucky historic tax credits that can give back part of what you spend. Talk to your CPA before you count on them.

What I love about this housing stock is that the houses never stayed on one side of the market. The 1895 limestone castle a tanner built on St. James Court became a boarding house, then a home for elderly women for about forty years, then a museum. Workers' cottages that were falling apart are now some of the most charming small houses in the city. One on Goss Avenue serves breakfast and pizza. The houses didn't decide what they were worth. The city around them did, over and over again.

For anyone who owns century-old rentals: what's the one thing you check now that you wish you'd checked on your first one?

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  • James JonesPro Member
    Investor · Collierville, TN 38017 · Member since 2017 · 830 posts · 603 votes
    1w

    Rob — the foundation, and it is not close. On a 100-year-old house in Memphis I check the foundation and the roof line before I look at anything cosmetic. Piers shift, floors slope, and a sagging roof line usually means water has been getting in for years. Second is the layout math. A narrow house only works for me if the rent clears the 1% rule, and bedroom count drives rent — in my ZIPs a 3BR+ Section 8 house rents $1,395 to $1,950. If the layout cannot get to 3BR, or the roof and foundation are both bad, I walk, no matter how cheap it looks.

  • Real Estate Agent · Louisville, KY · Member since 2017 · 1k+ posts · 1k+ votes
    1d

    @James Jones Foundation first is the right order, and a sagging roof line is a good tell. Your layout point matters a lot with shotguns. Many are one or two bedrooms in a straight line, so the camelback, with its extra bedroom on the back half, is the version that can get to a third bedroom on the same skinny lot. A double-barrel is the other way to make the numbers work, since you're collecting two rents under one roof. Do you walk from a shotgun that tops out at two bedrooms, or does a double-barrel change that for you?

  • Member since 2023 · 58 posts · 6 votes
    1d

    Rob, on century-old houses the one check I never skip now is the sewer line and the water service material. A camera scope before closing tells you whether you are buying a working system or a dig-up waiting for its first tenant. Galvanized supply lines and a tired sewer do not show up in a walk-through, but they show up in the first ninety days of a lease, usually as an emergency call. At 236 doors in Memphis, mostly older single-family, we scope first, price the risk into the offer, and test our plumber on small paid work long before a backup forces the issue. Surprises are cheaper while you can still walk away.

  • Real Estate Agent · Louisville, KY · Member since 2017 · 1k+ posts · 1k+ votes
    23h

    @Rosina Persaud Good addition. The sewer scope is the one that gets skipped on cheap old houses, and you're right that a walk-through can't show it. On houses this age, clay or cast-iron sewer lines and old galvanized supply pipe are common. A scope video also gives you something concrete to negotiate with: a repair credit or a lower price instead of a surprise after closing. Do you get the scope done inside the inspection period so the result is in hand before you're committed?

  • Member since 2023 · 58 posts · 6 votes
    16h

    Rob, yes — inside the inspection period, every time. The scope only helps if the result is in hand while you can still act on it: price the repair into the offer, ask for the credit, or walk. A scope that comes back after you are committed is just documentation of a problem you already own. On a century-old house the line is either working or it is a dig-up waiting for its first tenant, and those are two very different purchase prices. It is the same discipline we use everywhere: test small, pay for the information early, and let the numbers decide before the house is yours — not in the first ninety days of a lease, when the tenant is living with the backup.

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