Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Real 12.42% return before costs with manageable risks.
Why it works
Monthly profit +$453/mo from completion — the no.1 reason to invest
12.42% 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
+$453/mo
Pays you every month, net of costs
Price
$389K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$211K
Deposit + fees + refurb
Return before costson price12.42%5-yr return on cash 14%Rent est. $4,026 ($3,422–$4,737)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,422–$4,737/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $97,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,990–$136,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $291,750 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
+$453
after mortgage, operating costs & tax
Rent in$4,026/mo
$3,871Collected
$3,871/mo actually reaches you — the other $155 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,941Mortgage$1,632Costs
$453/mo left as profit · 12% of rent kept
Mortgage$1,941
Costs$1,632
Management$403
Maintenance$67
Insurance$28
CapEx reserve$201
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$453
Returns
Return before costson price12.42%
Cash returnon cash2.58%
Gross margin$2,240
Cash needed$211,077
Monthly profit payback38y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.00
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
$48,312
$19,580
$23,292
$0
$1,034
$4,406
$4,406
Year 2
$49,761
$20,167
$23,292
$0
$1,197
$5,105
$9,511
Year 3
$51,254
$20,772
$23,292
$0
$1,366
$5,824
$15,335
Year 4
$52,792
$21,395
$23,292
$0
$1,540
$6,564
$21,899
Year 5
$54,376
$22,037
$23,292
$0
$1,719
$7,327
$29,227
Year 5 disposal
Disposal gain (gross)-$84,865
CGT$0
Net Disposal proceeds$418,750
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 Glasgow · 5903.5 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 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
70/100
Solid
Real 12.42% — fundamentals work.
Monthly profit+$453/mo at 25% deposit @ 5.5%
12.42% Return before costs — above-market
Monthly cashflow
+$453/mo
Pays you every month, net of costs
Price
$389K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$211K
Deposit + fees + refurb
Return before costson price12.42%5-yr return on cash 14%Rent est. $4,026 ($3,422–$4,737)
Bedrooms
5
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,422–$4,737/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $97,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,990–$136,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $291,750 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
+$453
after mortgage, operating costs & tax
Rent in$4,026/mo
$3,871Collected
$3,871/mo actually reaches you — the other $155 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,941Mortgage$1,632Costs
$453/mo left as profit · 12% of rent kept
Mortgage$1,941
Costs$1,632
Management$403
Maintenance$67
Insurance$28
CapEx reserve$201
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$453
Returns
Return before costson price12.42%
Cash returnon cash2.58%
Gross margin$2,240
Cash needed$211,077
Monthly profit payback38y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.00
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
$48,312
$19,580
$23,292
$0
$1,034
$4,406
$4,406
Year 2
$49,761
$20,167
$23,292
$0
$1,197
$5,105
$9,511
Year 3
$51,254
$20,772
$23,292
$0
$1,366
$5,824
$15,335
Year 4
$52,792
$21,395
$23,292
$0
$1,540
$6,564
$21,899
Year 5
$54,376
$22,037
$23,292
$0
$1,719
$7,327
$29,227
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$211K
25% deposit$97,250
Refurb$104,685
Legal + survey$2,150
Mortgage + broker$6,835
Cash needed$211,077
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