Likely sold or withdrawnWe last saw this listing 64 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 MANUFACTUREDListed 582d ago
Strong return buy-to-let
107 Ravenwood Est, London, KY 40741 · 1,680 sqft · $99/sqft
Monthly profit +$244/mo from completion — the no.1 reason to invest
11.96% 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
+$244/mo
Pays you every month, net of costs
Price
$166K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$145K
Deposit + fees + refurb
Return before costson price11.96%5-yr return on cash 10%Rent est. $1,649 ($1,212–$2,244)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,212–$2,244/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $41,375
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,500 asking ($99,300). Raw model: $78,840–$147,380. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $124,125 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
+$244
after mortgage, operating costs & tax
Rent in$1,649/mo
$1,586Collected
$1,586/mo actually reaches you — the other $63 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$826Mortgage$579Costs
$244/mo left as profit · 15% of rent kept
Mortgage$826
Costs$579
Management$165
Maintenance$67
Insurance$20
CapEx reserve$82
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$244
Returns
Return before costson price11.96%
Cash returnon cash2.02%
Gross margin$1,006
Cash needed$144,565
Monthly profit payback49y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.05
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
$19,788
$6,953
$9,910
$0
$556
$2,370
$2,370
Year 2
$20,382
$7,161
$9,910
$0
$629
$2,682
$5,052
Year 3
$20,993
$7,376
$9,910
$0
$704
$3,003
$8,055
Year 4
$21,623
$7,597
$9,910
$0
$782
$3,334
$11,389
Year 5
$22,272
$7,825
$9,910
$0
$862
$3,675
$15,063
Year 5 disposal
Disposal gain (gross)-$91,653
CGT$0
Net Disposal proceeds$178,157
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 · 6077.8 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 64 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 11.96% — fundamentals work.
Monthly profit+$244/mo at 25% deposit @ 5.5%
11.96% Return before costs — above-market
Monthly cashflow
+$244/mo
Pays you every month, net of costs
Price
$166K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$145K
Deposit + fees + refurb
Return before costson price11.96%5-yr return on cash 10%Rent est. $1,649 ($1,212–$2,244)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,212–$2,244/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $41,375
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,500 asking ($99,300). Raw model: $78,840–$147,380. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $124,125 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
+$244
after mortgage, operating costs & tax
Rent in$1,649/mo
$1,586Collected
$1,586/mo actually reaches you — the other $63 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$826Mortgage$579Costs
$244/mo left as profit · 15% of rent kept
Mortgage$826
Costs$579
Management$165
Maintenance$67
Insurance$20
CapEx reserve$82
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$244
Returns
Return before costson price11.96%
Cash returnon cash2.02%
Gross margin$1,006
Cash needed$144,565
Monthly profit payback49y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.05
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
$19,788
$6,953
$9,910
$0
$556
$2,370
$2,370
Year 2
$20,382
$7,161
$9,910
$0
$629
$2,682
$5,052
Year 3
$20,993
$7,376
$9,910
$0
$704
$3,003
$8,055
Year 4
$21,623
$7,597
$9,910
$0
$782
$3,334
$11,389
Year 5
$22,272
$7,825
$9,910
$0
$862
$3,675
$15,063
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
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Acquisition costs
$145K
25% deposit$41,375
Refurb$99,300
Legal + survey$1,700
Mortgage + broker$3,483
Cash needed$144,565
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