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.
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
−$703/mo
You top up $703/mo
Price
$1.15M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$415K
Deposit + fees + refurb
Return before costson price7.59%5-yr return on cash -6%Rent est. $7,275 ($5,820–$9,094)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$9,094/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $287,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,770–$130,400 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $862,500 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$703
after mortgage, operating costs & tax
Rent in$7,275/mo
$6,995Collected
$6,995/mo actually reaches you — the other $280 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,738Mortgage$2,240Costs
Outgoings exceed rent — you top up $703/mo
Mortgage$5,738
Costs$2,240
Management$728
Maintenance$67
Insurance$40
CapEx reserve$364
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$703
Returns
Return before costson price7.59%
Cash returnon cash-2.03%
Gross margin$4,755
Cash needed$414,725
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
$87,300
$26,878
$68,859
$0
$0
-$8,436
-$8,436
Year 2
$89,919
$27,684
$68,859
$0
$0
-$6,624
-$15,060
Year 3
$92,617
$28,515
$68,859
$0
$0
-$4,757
-$19,817
Year 4
$95,395
$29,370
$68,859
$0
$0
-$2,834
-$22,651
Year 5
$98,257
$30,251
$68,859
$0
$0
-$853
-$23,504
Year 5 disposal
Disposal gain (gross)-$38,834
CGT$0
Net Disposal proceeds$1,237,951
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 · 8281.6 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 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
46/100
Caution
7.59% — verify the rent + comps locally.
7.59% Return before costs — above-market
Monthly cashflow
−$703/mo
You top up $703/mo
Price
$1.15M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$415K
Deposit + fees + refurb
Return before costson price7.59%5-yr return on cash -6%Rent est. $7,275 ($5,820–$9,094)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$9,094/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $287,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,770–$130,400 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $862,500 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$703
after mortgage, operating costs & tax
Rent in$7,275/mo
$6,995Collected
$6,995/mo actually reaches you — the other $280 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,738Mortgage$2,240Costs
Outgoings exceed rent — you top up $703/mo
Mortgage$5,738
Costs$2,240
Management$728
Maintenance$67
Insurance$40
CapEx reserve$364
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$703
Returns
Return before costson price7.59%
Cash returnon cash-2.03%
Gross margin$4,755
Cash needed$414,725
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
$87,300
$26,878
$68,859
$0
$0
-$8,436
-$8,436
Year 2
$89,919
$27,684
$68,859
$0
$0
-$6,624
-$15,060
Year 3
$92,617
$28,515
$68,859
$0
$0
-$4,757
-$19,817
Year 4
$95,395
$29,370
$68,859
$0
$0
-$2,834
-$22,651
Year 5
$98,257
$30,251
$68,859
$0
$0
-$853
-$23,504
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$415K
25% deposit$287,500
Refurb$100,085
Legal + survey$3,700
Mortgage + broker$18,250
Cash needed$414,725
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