Likely sold or withdrawnWe last saw this listing 60 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 TOWNHOUSEListed 144d ago
Strong return buy-to-let
125 S 22nd Avenue #19, Brighton, CO 80601 · 1,424 sqft · $235/sqft
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
+$131/mo
Barely breaks even each month
Price
$334K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$199K
Deposit + fees + refurb
Return before costson price9.26%5-yr return on cash 6%Rent est. $2,578 ($2,019–$3,292)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,019–$3,292/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $83,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $75,580–$141,190 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $250,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$131
after mortgage, operating costs & tax
Rent in$2,578/mo
$2,479Collected
$2,479/mo actually reaches you — the other $99 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,667Mortgage$781Costs
$131/mo left as profit · 5% of rent kept
Mortgage$1,667
Costs$781
Management$258
Maintenance$67
Insurance$28
CapEx reserve$129
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$131
Returns
Return before costson price9.26%
Cash returnon cash0.79%
Gross margin$1,698
Cash needed$199,467
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.92
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
$30,936
$9,367
$19,999
$0
$298
$1,272
$1,272
Year 2
$31,864
$9,648
$19,999
$0
$421
$1,796
$3,068
Year 3
$32,820
$9,938
$19,999
$0
$548
$2,336
$5,403
Year 4
$33,805
$10,236
$19,999
$0
$678
$2,892
$8,295
Year 5
$34,819
$10,543
$19,999
$0
$813
$3,464
$11,760
Year 5 disposal
Disposal gain (gross)-$91,671
CGT$0
Net Disposal proceeds$359,544
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 · 7008.5 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 60 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 9.26% — fundamentals work.
9.26% Return before costs — above-market
Monthly cashflow
+$131/mo
Barely breaks even each month
Price
$334K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$199K
Deposit + fees + refurb
Return before costson price9.26%5-yr return on cash 6%Rent est. $2,578 ($2,019–$3,292)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,019–$3,292/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $83,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $75,580–$141,190 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $250,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$131
after mortgage, operating costs & tax
Rent in$2,578/mo
$2,479Collected
$2,479/mo actually reaches you — the other $99 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,667Mortgage$781Costs
$131/mo left as profit · 5% of rent kept
Mortgage$1,667
Costs$781
Management$258
Maintenance$67
Insurance$28
CapEx reserve$129
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$131
Returns
Return before costson price9.26%
Cash returnon cash0.79%
Gross margin$1,698
Cash needed$199,467
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.92
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
$30,936
$9,367
$19,999
$0
$298
$1,272
$1,272
Year 2
$31,864
$9,648
$19,999
$0
$421
$1,796
$3,068
Year 3
$32,820
$9,938
$19,999
$0
$548
$2,336
$5,403
Year 4
$33,805
$10,236
$19,999
$0
$678
$2,892
$8,295
Year 5
$34,819
$10,543
$19,999
$0
$813
$3,464
$11,760
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
$199K
25% deposit$83,500
Refurb$108,385
Legal + survey$2,150
Mortgage + broker$6,010
Cash needed$199,467
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