Likely sold or withdrawnWe last saw this listing 65 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit +$326/mo from completion — the no.1 reason to invest
12.15% 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 →
Monthly cashflow
+$326/mo
Pays you every month, net of costs
Price
$190K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price12.15%5-yr return on cash 12%Rent est. $1,923 ($1,792–$2,064)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,792–$2,064/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $47,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $190,000 asking ($114,000). Raw model: $72,540–$135,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $142,500 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$326
after mortgage, operating costs & tax
Rent in$1,923/mo
$1,849Collected
$1,849/mo actually reaches you — the other $74 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$948Mortgage$649Costs$326Your profit
$326/mo left as profit · 18% of rent kept
Mortgage$948
Costs$649
Management$192
Maintenance$67
Insurance$20
CapEx reserve$96
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$326
Returns
Return before costson price12.15%
Cash returnon cash2.36%
Gross margin$1,200
Cash needed$165,775
Monthly profit payback42y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.09
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
$23,076
$7,783
$11,377
$0
$744
$3,172
$3,172
Year 2
$23,768
$8,016
$11,377
$0
$831
$3,544
$6,717
Year 3
$24,481
$8,257
$11,377
$0
$921
$3,927
$10,643
Year 4
$25,216
$8,505
$11,377
$0
$1,014
$4,321
$14,964
Year 5
$25,972
$8,760
$11,377
$0
$1,109
$4,727
$19,691
Year 5 disposal
Disposal gain (gross)-$104,969
CGT$0
Net Disposal proceeds$204,531
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 · 5992.4 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 65 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
Real 12.15% — fundamentals work.
Monthly profit+$326/mo at 25% deposit @ 5.5%
12.15% Return before costs — above-market
Monthly cashflow
+$326/mo
Pays you every month, net of costs
Price
$190K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price12.15%5-yr return on cash 12%Rent est. $1,923 ($1,792–$2,064)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,792–$2,064/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $47,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $190,000 asking ($114,000). Raw model: $72,540–$135,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $142,500 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$326
after mortgage, operating costs & tax
Rent in$1,923/mo
$1,849Collected
$1,849/mo actually reaches you — the other $74 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$948Mortgage$649Costs$326Your profit
$326/mo left as profit · 18% of rent kept
Mortgage$948
Costs$649
Management$192
Maintenance$67
Insurance$20
CapEx reserve$96
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$326
Returns
Return before costson price12.15%
Cash returnon cash2.36%
Gross margin$1,200
Cash needed$165,775
Monthly profit payback42y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.09
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
$23,076
$7,783
$11,377
$0
$744
$3,172
$3,172
Year 2
$23,768
$8,016
$11,377
$0
$831
$3,544
$6,717
Year 3
$24,481
$8,257
$11,377
$0
$921
$3,927
$10,643
Year 4
$25,216
$8,505
$11,377
$0
$1,014
$4,321
$14,964
Year 5
$25,972
$8,760
$11,377
$0
$1,109
$4,727
$19,691
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
$166K
25% deposit$47,500
Refurb$114,000
Legal + survey$1,700
Mortgage + broker$3,850
Cash needed$165,775
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