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.
2 BED SINGLE-FAMILY HOMEListed 54d ago
2-bed single_family investor view
977 Crystal Oak Pl, Newcastle, CA 95658 · 2,104 sqft · $380/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
−$3K/mo
You top up $3K/mo
Price
$799K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$353K
Deposit + fees + refurb
Return before costson price3.10%5-yr return on cash -49%Rent est. $2,061 ($1,745–$2,434)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,745–$2,434/mo · n=76
Financing
DepositYour cash in — the rest is the mortgage25% · $199,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $93,680–$174,940 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $599,250 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
-$2,964
after mortgage, operating costs & tax
Rent in$2,061/mo
$1,982Collected
$1,982/mo actually reaches you — the other $79 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,987Mortgage$1,038Costs
Outgoings exceed rent — you top up $2,964/mo
Mortgage$3,987
Costs$1,038
Management$206
Maintenance$67
Insurance$40
CapEx reserve$103
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$2,964
Returns
Return before costson price3.10%
Cash returnon cash-10.08%
Gross margin$944
Cash needed$352,917
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.31
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
$24,732
$12,453
$47,842
$0
$0
-$35,563
-$35,563
Year 2
$25,474
$12,827
$47,842
$0
$0
-$35,195
-$70,759
Year 3
$26,238
$13,212
$47,842
$0
$0
-$34,816
-$105,574
Year 4
$27,025
$13,608
$47,842
$0
$0
-$34,425
-$139,999
Year 5
$27,836
$14,017
$47,842
$0
$0
-$34,022
-$174,021
Year 5 disposal
Disposal gain (gross)-$92,083
CGT$0
Net Disposal proceeds$860,107
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Aberdeen · 7914 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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.
1/100
Marginal
3.10% — verify the rent + comps locally.
3.10% Return before costs — around the area average for this property type.
Monthly profit −$2,964/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$799K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$353K
Deposit + fees + refurb
Return before costson price3.10%5-yr return on cash -49%Rent est. $2,061 ($1,745–$2,434)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,745–$2,434/mo · n=76
Financing
DepositYour cash in — the rest is the mortgage25% · $199,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $93,680–$174,940 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $599,250 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
-$2,964
after mortgage, operating costs & tax
Rent in$2,061/mo
$1,982Collected
$1,982/mo actually reaches you — the other $79 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,987Mortgage$1,038Costs
Outgoings exceed rent — you top up $2,964/mo
Mortgage$3,987
Costs$1,038
Management$206
Maintenance$67
Insurance$40
CapEx reserve$103
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$2,964
Returns
Return before costson price3.10%
Cash returnon cash-10.08%
Gross margin$944
Cash needed$352,917
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.31
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
$24,732
$12,453
$47,842
$0
$0
-$35,563
-$35,563
Year 2
$25,474
$12,827
$47,842
$0
$0
-$35,195
-$70,759
Year 3
$26,238
$13,212
$47,842
$0
$0
-$34,816
-$105,574
Year 4
$27,025
$13,608
$47,842
$0
$0
-$34,425
-$139,999
Year 5
$27,836
$14,017
$47,842
$0
$0
-$34,022
-$174,021
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$353K
25% deposit$199,750
Refurb$134,310
Legal + survey$2,900
Mortgage + broker$12,985
Cash needed$352,917
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