Likely sold or withdrawnWe last saw this listing 44 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 CONDOListed 49d ago
Strong return buy-to-let
4064 Huerfano Ave Unit 173, San Diego, CA 92117 · 1,008 sqft · $555/sqft
Monthly profit +$603/mo from completion — the no.1 reason to invest
10.29% 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
+$603/mo
Pays you every month, net of costs
Price
$560K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$233K
Deposit + fees + refurb
Return before costson price10.29%5-yr return on cash 17%Rent est. $4,802 ($4,365–$5,283)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,365–$5,283/mo · n=21
Financing
DepositYour cash in — the rest is the mortgage25% · $139,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $55,320–$103,700 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $419,925 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
+$603
after mortgage, operating costs & tax
Rent in$4,802/mo
$4,617Collected
$4,617/mo actually reaches you — the other $185 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,794Mortgage$1,405Costs
$603/mo left as profit · 13% of rent kept
Mortgage$2,794
Costs$1,405
Management$480
Maintenance$67
Insurance$40
CapEx reserve$240
Voids + council tax$9
Ltd co. accounts$104
Tax—
Profit+$603
Returns
Return before costson price10.29%
Cash returnon cash3.11%
Gross margin$3,212
Cash needed$232,699
Monthly profit payback32y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.02
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
$57,624
$16,859
$33,525
$0
$1,376
$5,864
$5,864
Year 2
$59,353
$17,365
$33,525
$0
$1,608
$6,855
$12,718
Year 3
$61,133
$17,886
$33,525
$0
$1,847
$7,875
$20,593
Year 4
$62,967
$18,422
$33,525
$0
$2,094
$8,926
$29,519
Year 5
$64,856
$18,975
$33,525
$0
$2,348
$10,008
$39,527
Year 5 disposal
Disposal gain (gross)-$50,788
CGT$0
Net Disposal proceeds$602,720
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 · 8299.5 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 44 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
85/100
Strong
Real 10.29% — fundamentals work.
Monthly profit+$603/mo at 25% deposit @ 5.5%
10.29% Return before costs — above-market
Monthly cashflow
+$603/mo
Pays you every month, net of costs
Price
$560K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$233K
Deposit + fees + refurb
Return before costson price10.29%5-yr return on cash 17%Rent est. $4,802 ($4,365–$5,283)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,365–$5,283/mo · n=21
Financing
DepositYour cash in — the rest is the mortgage25% · $139,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $55,320–$103,700 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $419,925 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
+$603
after mortgage, operating costs & tax
Rent in$4,802/mo
$4,617Collected
$4,617/mo actually reaches you — the other $185 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,794Mortgage$1,405Costs
$603/mo left as profit · 13% of rent kept
Mortgage$2,794
Costs$1,405
Management$480
Maintenance$67
Insurance$40
CapEx reserve$240
Voids + council tax$9
Ltd co. accounts$104
Tax—
Profit+$603
Returns
Return before costson price10.29%
Cash returnon cash3.11%
Gross margin$3,212
Cash needed$232,699
Monthly profit payback32y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.02
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
$57,624
$16,859
$33,525
$0
$1,376
$5,864
$5,864
Year 2
$59,353
$17,365
$33,525
$0
$1,608
$6,855
$12,718
Year 3
$61,133
$17,886
$33,525
$0
$1,847
$7,875
$20,593
Year 4
$62,967
$18,422
$33,525
$0
$2,094
$8,926
$29,519
Year 5
$64,856
$18,975
$33,525
$0
$2,348
$10,008
$39,527
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
$233K
25% deposit$139,975
Refurb$79,510
Legal + survey$2,900
Mortgage + broker$9,399
Cash needed$232,699
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