Likely sold or withdrawnWe last saw this listing 99 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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3 BED CONDOListed 105d ago
3-bed condo investor view
20 Bridge Rd Unit 17, Northampton, MA 01062 · 2,180 sqft · $381/sqft
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$830K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$376K
Deposit + fees + refurb
Return before costson price3.92%5-yr return on cash -45%Rent est. $2,711 ($2,614–$2,812)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,614–$2,812/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $207,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $102,040–$190,330 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $622,500 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$2,921
after mortgage, operating costs & tax
Rent in$2,711/mo
$2,607Collected
$2,607/mo actually reaches you — the other $104 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,142Mortgage$1,491Costs
Outgoings exceed rent — you top up $2,921/mo
Mortgage$4,142
Costs$1,491
Management$271
Maintenance$67
Insurance$40
CapEx reserve$136
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$2,921
Returns
Return before costson price3.92%
Cash returnon cash-9.32%
Gross margin$1,116
Cash needed$376,145
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.37
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$32,532
$17,891
$49,698
$0
$0
-$35,057
-$35,057
Year 2
$33,508
$18,428
$49,698
$0
$0
-$34,618
-$69,675
Year 3
$34,513
$18,981
$49,698
$0
$0
-$34,166
-$103,841
Year 4
$35,549
$19,550
$49,698
$0
$0
-$33,700
-$137,540
Year 5
$36,615
$20,137
$49,698
$0
$0
-$33,220
-$170,760
Year 5 disposal
Disposal gain (gross)-$102,208
CGT$0
Net Disposal proceeds$893,477
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 4975 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 99 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
9/100
Marginal
3.92% — verify the rent + comps locally.
3.92% Return before costs — around the area average for this property type.
Monthly profit −$2,921/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$830K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$376K
Deposit + fees + refurb
Return before costson price3.92%5-yr return on cash -45%Rent est. $2,711 ($2,614–$2,812)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,614–$2,812/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $207,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $102,040–$190,330 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $622,500 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$2,921
after mortgage, operating costs & tax
Rent in$2,711/mo
$2,607Collected
$2,607/mo actually reaches you — the other $104 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,142Mortgage$1,491Costs
Outgoings exceed rent — you top up $2,921/mo
Mortgage$4,142
Costs$1,491
Management$271
Maintenance$67
Insurance$40
CapEx reserve$136
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$2,921
Returns
Return before costson price3.92%
Cash returnon cash-9.32%
Gross margin$1,116
Cash needed$376,145
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.37
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$32,532
$17,891
$49,698
$0
$0
-$35,057
-$35,057
Year 2
$33,508
$18,428
$49,698
$0
$0
-$34,618
-$69,675
Year 3
$34,513
$18,981
$49,698
$0
$0
-$34,166
-$103,841
Year 4
$35,549
$19,550
$49,698
$0
$0
-$33,700
-$137,540
Year 5
$36,615
$20,137
$49,698
$0
$0
-$33,220
-$170,760
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$376K
25% deposit$207,500
Refurb$146,185
Legal + survey$2,900
Mortgage + broker$13,450
Cash needed$376,145
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice