Likely sold or withdrawnWe last saw this listing 54 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
⊞ View all 86
5 BED SINGLE-FAMILY HOMEListed 71d ago
Strong return buy-to-let
2227 19th Ave, San Francisco, CA 94116 · 2,568 sqft · $504/sqft
Monthly profit +$2,811/mo from completion — the no.1 reason to invest
11.68% 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
+$3K/mo
Pays you every month, net of costs
Price
$1.29M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$520K
Deposit + fees + refurb
Return before costson price11.68%5-yr return on cash 32%Rent est. $12,608 ($9,421–$16,873)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $9,421–$16,873/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $323,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $115,620–$215,550 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $971,250 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
+$2,811
after mortgage, operating costs & tax
Rent in$12,608/mo
$12,123Collected
$12,123/mo actually reaches you — the other $485 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,462Mortgage$3,336Costs$2,811Your profit
$2,811/mo left as profit · 23% of rent kept
Mortgage$6,462
Costs$3,336
Management$1,261
Maintenance$67
Insurance$40
CapEx reserve$630
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$2,811
Returns
Return before costson price11.68%
Cash returnon cash6.49%
Gross margin$8,788
Cash needed$519,898
Monthly profit payback15y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.19
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
$151,296
$40,026
$77,541
$0
$6,409
$27,320
$27,320
Year 2
$155,835
$41,227
$77,541
$0
$7,043
$30,024
$57,344
Year 3
$160,510
$42,464
$77,541
$0
$7,696
$32,809
$90,153
Year 4
$165,325
$43,737
$77,541
$0
$8,369
$35,678
$125,831
Year 5
$170,285
$45,050
$77,541
$0
$9,062
$38,632
$164,464
Year 5 disposal
Disposal gain (gross)-$96,145
CGT$0
Net Disposal proceeds$1,394,040
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Aberdeen · 8082.5 km
Reason
5-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 54 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 11.68% — fundamentals work.
Monthly profit+$2,811/mo at 25% deposit @ 5.5%
11.68% Return before costs — above-market
Monthly cashflow
+$3K/mo
Pays you every month, net of costs
Price
$1.29M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$520K
Deposit + fees + refurb
Return before costson price11.68%5-yr return on cash 32%Rent est. $12,608 ($9,421–$16,873)
Bedrooms
5
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $9,421–$16,873/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $323,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $115,620–$215,550 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $971,250 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
+$2,811
after mortgage, operating costs & tax
Rent in$12,608/mo
$12,123Collected
$12,123/mo actually reaches you — the other $485 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,462Mortgage$3,336Costs$2,811Your profit
$2,811/mo left as profit · 23% of rent kept
Mortgage$6,462
Costs$3,336
Management$1,261
Maintenance$67
Insurance$40
CapEx reserve$630
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$2,811
Returns
Return before costson price11.68%
Cash returnon cash6.49%
Gross margin$8,788
Cash needed$519,898
Monthly profit payback15y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.19
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
$151,296
$40,026
$77,541
$0
$6,409
$27,320
$27,320
Year 2
$155,835
$41,227
$77,541
$0
$7,043
$30,024
$57,344
Year 3
$160,510
$42,464
$77,541
$0
$7,696
$32,809
$90,153
Year 4
$165,325
$43,737
$77,541
$0
$8,369
$35,678
$125,831
Year 5
$170,285
$45,050
$77,541
$0
$9,062
$38,632
$164,464
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$520K
25% deposit$323,750
Refurb$165,585
Legal + survey$3,700
Mortgage + broker$20,425
Cash needed$519,898
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice