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2 BED SINGLE-FAMILY HOMEListed 59d ago

It costs you $998 a month. That is $11,975 a year, every year you hold it.

The rent is our own estimate, not a signed tenancy. The shortfall is not a data problem: at this price, on these costs, the rent does not cover what it takes to hold it. It only works if you are buying for the capital growth, or buying it cheaper.

1285 Winningham Rd, Crewe, VA 23930 · 1,074 sqft · $279/sqft

$299,900

est. $1,067 / mo · 4.27% gross

13/ 100

how this is calculated →

Weak

4.27% return before costs — verify the rent + comps locally.

Why it works

4.27% return before costs — around the area average for this property type
Nothing here is unusual enough, in either direction, to be a reason on its own.
Monthly profit −$998/mo at the modelled defaults
Open the calculator to move the deposit, rate and refurb and see where it breaks.

Why to be cautious

Monthly profit −$998/mo — heavily negative — needs monthly capital injection
You would be topping it up every month, from your own income, for as long as you hold it.That can still be the plan if you are buying for capital growth — but it should be a decision, not a surprise. Try your own numbers →
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 →

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: $970–$1,174/mo · n=13

Financing

DepositYour cash in — the rest is the mortgage25% · $74,975

5%100% (cash buy)

Standard 75% LTV for rental

Mortgage rate5y fixed7.00%

3.00%9.00%

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): $57,630–$107,990 range from $/sqft + per-room model

Legal + survey ($)

Standard house — $1,400 legal + $750 survey

Mortgage fees ($)

2% product fee on $224,925 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

-$998

after mortgage, operating costs & tax

Rent in$1,067/mo

$1,026Collected

$1,026/mo actually reaches you — the other $41 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.

Where it goes

$1,496Mortgage$569Costs

Outgoings exceed rent — you top up $998/mo

Mortgage$1,496

Costs$569

Management$107

Maintenance$67

Insurance$28

CapEx reserve$53

Voids + council tax$7

Ltd co. accounts$104

Tax—

Shortfall−$998

Returns

Return before costs on price4.27%

Cash return on cash-7.23%

Gross margin$457

Cash needed$165,523

Monthly profit paybackn/a (monthly loss)

Data confidence

One card is deliberately absent. Renting it by the room — Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.

Ready to move on this deal?

Generates an offer pack with your numbers & sources — take it to the agent.