Likely sold or withdrawnWe last saw this listing 70 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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
−$36/mo
You top up $36/mo
Price
$225K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$141K
Deposit + fees + refurb
Return before costson price9.18%5-yr return on cash 1%Rent est. $1,722 ($1,406–$2,109)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,406–$2,109/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $55,740–$104,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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
-$36
after mortgage, operating costs & tax
Rent in$1,722/mo
$1,656Collected
$1,656/mo actually reaches you — the other $66 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$636Costs
Outgoings exceed rent — you top up $36/mo
Mortgage$1,123
Costs$636
Management$172
Maintenance$67
Insurance$28
CapEx reserve$86
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$36
Returns
Return before costson price9.18%
Cash returnon cash-0.31%
Gross margin$1,020
Cash needed$141,423
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$20,664
$7,629
$13,472
$0
$0
-$438
-$438
Year 2
$21,284
$7,858
$13,472
$0
$0
-$47
-$484
Year 3
$21,922
$8,094
$13,472
$0
$68
$288
-$196
Year 4
$22,580
$8,337
$13,472
$0
$146
$625
$428
Year 5
$23,258
$8,587
$13,472
$0
$228
$970
$1,399
Year 5 disposal
Disposal gain (gross)-$69,102
CGT$0
Net Disposal proceeds$242,208
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 · 5978.7 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 70 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
65/100
Solid
Real 9.18% — fundamentals work.
9.18% Return before costs — above-market
Monthly cashflow
−$36/mo
You top up $36/mo
Price
$225K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$141K
Deposit + fees + refurb
Return before costson price9.18%5-yr return on cash 1%Rent est. $1,722 ($1,406–$2,109)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,406–$2,109/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $55,740–$104,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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
-$36
after mortgage, operating costs & tax
Rent in$1,722/mo
$1,656Collected
$1,656/mo actually reaches you — the other $66 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$636Costs
Outgoings exceed rent — you top up $36/mo
Mortgage$1,123
Costs$636
Management$172
Maintenance$67
Insurance$28
CapEx reserve$86
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$36
Returns
Return before costson price9.18%
Cash returnon cash-0.31%
Gross margin$1,020
Cash needed$141,423
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$20,664
$7,629
$13,472
$0
$0
-$438
-$438
Year 2
$21,284
$7,858
$13,472
$0
$0
-$47
-$484
Year 3
$21,922
$8,094
$13,472
$0
$68
$288
-$196
Year 4
$22,580
$8,337
$13,472
$0
$146
$625
$428
Year 5
$23,258
$8,587
$13,472
$0
$228
$970
$1,399
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
$141K
25% deposit$56,250
Refurb$80,110
Legal + survey$1,700
Mortgage + broker$4,375
Cash needed$141,423
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