Likely sold or withdrawnWe last saw this listing 16 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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6 BED SINGLE-FAMILY HOMEListed 82d ago
Rent by the room upside on 6-bed
209 E Virginia Ave, Crewe, VA 23930 · 3,104 sqft · $118/sqft
Monthly profit −$273/mo — significantly negative — real recurring drain
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 →
Price
$365K
Return before costson price
7.95%
est rent $2,419not enough comparables
Cash needed
$320K
deposit + costs
Monthly profit
−$273
net of mgmt + voids
5y Return on your cash
-3.3%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $91,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $365,000 asking ($219,000). Raw model: $140,080–$260,840. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $273,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$273
after mortgage, operating costs & tax
Rent in$2,326/mo
Where it goes
$1,821$871
Outgoings exceed rent — you top up $273/mo
Mortgage$1,821
Costs$871
Management$242
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Tax—
Shortfall−$273
Income
Monthly rent+$2,419
After 2wk voids: $2,326/mo
Outgoings
Mortgage-$1,821
Operating costs-$871
show breakdown ▾
Management (10% of rent)-$242
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.95%
Cash returnon cash-1.02%
Gross margin$1,455
Cash needed$319,668
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.76
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
$29,028
$10,446
$21,855
$0
$0
-$3,273
-$3,273
Year 2
$29,899
$10,760
$21,855
$0
$0
-$2,716
-$5,989
Year 3
$30,796
$11,082
$21,855
$0
$0
-$2,142
-$8,131
Year 4
$31,720
$11,415
$21,855
$0
$0
-$1,550
-$9,681
Year 5
$32,671
$11,757
$21,855
$0
$0
-$941
-$10,622
Year 5 disposal
Disposal gain (gross)-$200,535
CGT$0
Net Disposal proceeds$392,915
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 cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5709.3 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Likely sold or withdrawnWe last saw this listing 16 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
50/100
Caution
7.95% — verify the rent + comps locally.
7.95% Return before costs — above-market
Price
$365K
Return before costs
7.95%
est rent $2,419/monot enough comparables
Bedrooms
6
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $91,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $365,000 asking ($219,000). Raw model: $140,080–$260,840. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $273,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$273
after mortgage, operating costs & tax
Rent in$2,326/mo
Where it goes
$1,821$871
Outgoings exceed rent — you top up $273/mo
Mortgage$1,821
Costs$871
Management$242
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Tax—
Shortfall−$273
Income
Monthly rent+$2,419
After 2wk voids: $2,326/mo
Outgoings
Mortgage-$1,821
Operating costs-$871
show breakdown ▾
Management (10% of rent)-$242
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.95%
Cash returnon cash-1.02%
Gross margin$1,455
Cash needed$319,668
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.76
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
$29,028
$10,446
$21,855
$0
$0
-$3,273
-$3,273
Year 2
$29,899
$10,760
$21,855
$0
$0
-$2,716
-$5,989
Year 3
$30,796
$11,082
$21,855
$0
$0
-$2,142
-$8,131
Year 4
$31,720
$11,415
$21,855
$0
$0
-$1,550
-$9,681
Year 5
$32,671
$11,757
$21,855
$0
$0
-$941
-$10,622
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$320K
25% deposit$91,250
Refurb$219,000
Legal + survey$2,150
Mortgage + broker$6,475
Cash needed$319,668
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