Likely sold or withdrawnWe last saw this listing 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Real 7.64% return before costs but flagged risks need pricing in.
Why it works
7.64% return before costs — above-market
Why to be cautious
Monthly profit −$262/mo — significantly negative — real recurring drain
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
−$262/mo
You top up $262/mo
Price
$435K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$246K
Deposit + fees + refurb
Return before costson price7.64%5-yr return on cash -4%Rent est. $2,769 ($2,561–$2,994)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,561–$2,994/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $108,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $88,820–$166,050 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $326,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$262
after mortgage, operating costs & tax
Rent in$2,769/mo
$2,663Collected
$2,663/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,171Mortgage$860Costs
Outgoings exceed rent — you top up $262/mo
Mortgage$2,171
Costs$860
Management$277
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$262
Returns
Return before costson price7.64%
Cash returnon cash-1.28%
Gross margin$1,802
Cash needed$246,060
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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
$33,228
$10,324
$26,047
$0
$0
-$3,143
-$3,143
Year 2
$34,225
$10,634
$26,047
$0
$0
-$2,456
-$5,598
Year 3
$35,252
$10,953
$26,047
$0
$0
-$1,748
-$7,346
Year 4
$36,309
$11,282
$26,047
$0
$0
-$1,019
-$8,365
Year 5
$37,398
$11,620
$26,047
$0
$0
-$268
-$8,634
Year 5 disposal
Disposal gain (gross)-$105,017
CGT$0
Net Disposal proceeds$468,268
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 · 7008.9 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 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
56/100
Caution
Real 7.64% — fundamentals work.
7.64% Return before costs — above-market
Monthly cashflow
−$262/mo
You top up $262/mo
Price
$435K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$246K
Deposit + fees + refurb
Return before costson price7.64%5-yr return on cash -4%Rent est. $2,769 ($2,561–$2,994)
Bedrooms
4
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,561–$2,994/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $108,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $88,820–$166,050 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $326,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$262
after mortgage, operating costs & tax
Rent in$2,769/mo
$2,663Collected
$2,663/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,171Mortgage$860Costs
Outgoings exceed rent — you top up $262/mo
Mortgage$2,171
Costs$860
Management$277
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$262
Returns
Return before costson price7.64%
Cash returnon cash-1.28%
Gross margin$1,802
Cash needed$246,060
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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
$33,228
$10,324
$26,047
$0
$0
-$3,143
-$3,143
Year 2
$34,225
$10,634
$26,047
$0
$0
-$2,456
-$5,598
Year 3
$35,252
$10,953
$26,047
$0
$0
-$1,748
-$7,346
Year 4
$36,309
$11,282
$26,047
$0
$0
-$1,019
-$8,365
Year 5
$37,398
$11,620
$26,047
$0
$0
-$268
-$8,634
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
$246K
25% deposit$108,750
Refurb$127,435
Legal + survey$2,150
Mortgage + broker$7,525
Cash needed$246,060
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