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.
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4 BED SINGLE-FAMILY HOMEListed 61d ago
Strong return buy-to-let
1041 W Avenue H1, Lancaster, CA 93534 · 1,420 sqft · $275/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 →
Price
$390K
Return before costson price
8.66%
est rent $2,813not enough comparablesRange $2,716–$2,913/mo (Q1–Q3)
Cash needed
$207K
deposit + costs
Monthly profit
−$57
net of mgmt + voids
5y Return on your cash
1.3%
after tax
IRR
—
cash + capital
Rent Range
$2,716–$2,913
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,716–$2,913/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $97,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,740–$130,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $292,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$57
after mortgage, operating costs & tax
Rent in$2,705/mo
Where it goes
$1,946$924
Outgoings exceed rent — you top up $57/mo
Mortgage$1,946
Costs$924
Management$281
Maintenance$67
Insurance$28
CapEx reserve$141
Voids + council tax$7
Tax—
Shortfall−$57
Income
Monthly rent+$2,813
After 2wk voids: $2,705/mo
Outgoings
Mortgage-$1,946
Operating costs-$924
show breakdown ▾
Management (10% of rent)-$281
CapEx reserve (5% of rent)-$141
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.66%
Cash returnon cash-0.33%
Gross margin$1,781
Cash needed$206,814
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$33,756
$11,087
$23,352
$0
$0
-$683
-$683
Year 2
$34,769
$11,419
$23,352
$0
$0
-$3
-$686
Year 3
$35,812
$11,762
$23,352
$0
$133
$565
-$121
Year 4
$36,886
$12,115
$23,352
$0
$270
$1,149
$1,028
Year 5
$37,993
$12,478
$23,352
$0
$411
$1,751
$2,780
Year 5 disposal
Disposal gain (gross)-$80,233
CGT$0
Net Disposal proceeds$419,827
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 8167 km
Reason
4-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.
65/100
Solid
Real 8.66% — fundamentals work.
8.66% Return before costs — above-market
Price
$390K
Return before costs
8.66%
est rent $2,813/monot enough comparablesRange $2,716–$2,913/mo (Q1–Q3)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,716–$2,913/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $97,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,740–$130,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $292,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$57
after mortgage, operating costs & tax
Rent in$2,705/mo
Where it goes
$1,946$924
Outgoings exceed rent — you top up $57/mo
Mortgage$1,946
Costs$924
Management$281
Maintenance$67
Insurance$28
CapEx reserve$141
Voids + council tax$7
Tax—
Shortfall−$57
Income
Monthly rent+$2,813
After 2wk voids: $2,705/mo
Outgoings
Mortgage-$1,946
Operating costs-$924
show breakdown ▾
Management (10% of rent)-$281
CapEx reserve (5% of rent)-$141
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.66%
Cash returnon cash-0.33%
Gross margin$1,781
Cash needed$206,814
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$33,756
$11,087
$23,352
$0
$0
-$683
-$683
Year 2
$34,769
$11,419
$23,352
$0
$0
-$3
-$686
Year 3
$35,812
$11,762
$23,352
$0
$133
$565
-$121
Year 4
$36,886
$12,115
$23,352
$0
$270
$1,149
$1,028
Year 5
$37,993
$12,478
$23,352
$0
$411
$1,751
$2,780
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
$207K
25% deposit$97,500
Refurb$100,110
Legal + survey$2,150
Mortgage + broker$6,850
Cash needed$206,814
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