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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4 BED SINGLE-FAMILY HOMEListed 177d ago
Strong return buy-to-let
301 E Virginia Ave, Crewe, VA 23930 · 2,393 sqft · $59/sqft
Monthly profit +$516/mo from completion — the no.1 reason to invest
15.48% return before costs — above-market
Why to be cautious
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
$140K
Return before costson price
15.48%
est rent $1,806not enough comparables
Cash needed
$123K
deposit + costs
Monthly profit
+$516
net of mgmt + voids
5y Return on your cash
23.4%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $35,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $140,000 asking ($84,000). Raw model: $103,795–$193,725. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $105,000 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$516
after mortgage, operating costs & tax
Rent in$1,737/mo
Where it goes
$699$592$516
$516/mo left as profit · 30% of rent kept
Mortgage$699
Costs$592
Management$181
Maintenance$67
Insurance$20
CapEx reserve$90
Voids + council tax$5
Tax—
Profit+$516
Income
Monthly rent+$1,806
After 2wk voids: $1,737/mo
Outgoings
Mortgage-$699
Operating costs-$592
show breakdown ▾
Management (10% of rent)-$181
CapEx reserve (5% of rent)-$90
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price15.48%
Cash returnon cash5.05%
Gross margin$1,145
Cash needed$122,612
Monthly profit payback19y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.33
Rent-covers-mortgage check PASS (target 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
$21,672
$7,102
$8,383
$0
$1,175
$5,012
$5,012
Year 2
$22,322
$7,315
$8,383
$0
$1,259
$5,365
$10,377
Year 3
$22,992
$7,535
$8,383
$0
$1,344
$5,730
$16,107
Year 4
$23,682
$7,761
$8,383
$0
$1,432
$6,106
$22,213
Year 5
$24,392
$7,994
$8,383
$0
$1,523
$6,492
$28,705
Year 5 disposal
Disposal gain (gross)-$77,793
CGT$0
Net Disposal proceeds$150,707
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5709.3 km
Reason
4-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.
85/100
Strong
15.48% — verify the rent + comps locally.
Monthly profit+$516/mo at 25% deposit @ 5.5%
15.48% Return before costs — above-market
Price
$140K
Return before costs
15.48%
est rent $1,806/monot enough comparables
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $35,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $140,000 asking ($84,000). Raw model: $103,795–$193,725. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $105,000 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$516
after mortgage, operating costs & tax
Rent in$1,737/mo
Where it goes
$699$592$516
$516/mo left as profit · 30% of rent kept
Mortgage$699
Costs$592
Management$181
Maintenance$67
Insurance$20
CapEx reserve$90
Voids + council tax$5
Tax—
Profit+$516
Income
Monthly rent+$1,806
After 2wk voids: $1,737/mo
Outgoings
Mortgage-$699
Operating costs-$592
show breakdown ▾
Management (10% of rent)-$181
CapEx reserve (5% of rent)-$90
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price15.48%
Cash returnon cash5.05%
Gross margin$1,145
Cash needed$122,612
Monthly profit payback19y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.33
Rent-covers-mortgage check PASS (target 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
$21,672
$7,102
$8,383
$0
$1,175
$5,012
$5,012
Year 2
$22,322
$7,315
$8,383
$0
$1,259
$5,365
$10,377
Year 3
$22,992
$7,535
$8,383
$0
$1,344
$5,730
$16,107
Year 4
$23,682
$7,761
$8,383
$0
$1,432
$6,106
$22,213
Year 5
$24,392
$7,994
$8,383
$0
$1,523
$6,492
$28,705
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$123K
25% deposit$35,000
Refurb$84,000
Legal + survey$1,700
Mortgage + broker$3,100
Cash needed$122,612
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