Likely sold or withdrawnWe last saw this listing 46 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
⊞ View all 10
3 BED SINGLE-FAMILY HOMEListed 52d ago
Strong return buy-to-let
1139 W Avenue J12, Lancaster, CA 93534 · 1,064 sqft · $352/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
$375K
Return before costson price
8.15%
est rent $2,546not enough comparablesRange $2,497–$2,596/mo (Q1–Q3)
Cash needed
$177K
deposit + costs
Monthly profit
−$189
net of mgmt + voids
5y Return on your cash
-2.9%
after tax
IRR
—
cash + capital
Rent Range
$2,497–$2,596
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,497–$2,596/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $93,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $51,580–$96,890 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $281,175 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
-$189
after mortgage, operating costs & tax
Rent in$2,448/mo
Where it goes
$1,871$864
Outgoings exceed rent — you top up $189/mo
Mortgage$1,871
Costs$864
Management$255
Maintenance$67
Insurance$28
CapEx reserve$127
Voids + council tax$7
Tax—
Shortfall−$189
Income
Monthly rent+$2,546
After 2wk voids: $2,448/mo
Outgoings
Mortgage-$1,871
Operating costs-$864
show breakdown ▾
Management (10% of rent)-$255
CapEx reserve (5% of rent)-$127
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.15%
Cash returnon cash-1.28%
Gross margin$1,584
Cash needed$176,807
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.79
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
$30,552
$10,370
$22,448
$0
$0
-$2,266
-$2,266
Year 2
$31,469
$10,681
$22,448
$0
$0
-$1,660
-$3,926
Year 3
$32,413
$11,001
$22,448
$0
$0
-$1,036
-$4,962
Year 4
$33,385
$11,331
$22,448
$0
$0
-$394
-$5,356
Year 5
$34,387
$11,671
$22,448
$0
$51
$216
-$5,140
Year 5 disposal
Disposal gain (gross)-$55,211
CGT$0
Net Disposal proceeds$403,572
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 · 8170.7 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 46 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 8.15% — fundamentals work.
8.15% Return before costs — above-market
Price
$375K
Return before costs
8.15%
est rent $2,546/monot enough comparablesRange $2,497–$2,596/mo (Q1–Q3)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,497–$2,596/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $93,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $51,580–$96,890 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $281,175 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
-$189
after mortgage, operating costs & tax
Rent in$2,448/mo
Where it goes
$1,871$864
Outgoings exceed rent — you top up $189/mo
Mortgage$1,871
Costs$864
Management$255
Maintenance$67
Insurance$28
CapEx reserve$127
Voids + council tax$7
Tax—
Shortfall−$189
Income
Monthly rent+$2,546
After 2wk voids: $2,448/mo
Outgoings
Mortgage-$1,871
Operating costs-$864
show breakdown ▾
Management (10% of rent)-$255
CapEx reserve (5% of rent)-$127
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.15%
Cash returnon cash-1.28%
Gross margin$1,584
Cash needed$176,807
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.79
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
$30,552
$10,370
$22,448
$0
$0
-$2,266
-$2,266
Year 2
$31,469
$10,681
$22,448
$0
$0
-$1,660
-$3,926
Year 3
$32,413
$11,001
$22,448
$0
$0
-$1,036
-$4,962
Year 4
$33,385
$11,331
$22,448
$0
$0
-$394
-$5,356
Year 5
$34,387
$11,671
$22,448
$0
$51
$216
-$5,140
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
$177K
25% deposit$93,725
Refurb$74,235
Legal + survey$2,150
Mortgage + broker$6,624
Cash needed$176,807
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