Likely sold or withdrawnWe last saw this listing 53 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
−$23K/mo
You top up $23K/mo
Price
$4.84M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.45M
Deposit + fees + refurb
Return before costson price2.40%5-yr return on cash -97%Rent est. $9,698 ($9,553–$9,845)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $9,553–$9,845/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $1,210,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,390–$135,130 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,630,000 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
-$23,408
after mortgage, operating costs & tax
Rent in$9,698/mo
$9,325Collected
$9,325/mo actually reaches you — the other $373 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$24,150Mortgage$8,955Costs
Outgoings exceed rent — you top up $23,408/mo
Mortgage$24,150
Costs$8,955
Management$970
Maintenance$67
Insurance$40
CapEx reserve$485
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$23,408
Returns
Return before costson price2.40%
Cash returnon cash-19.42%
Gross margin$370
Cash needed$1,446,620
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.22
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
$116,376
$107,464
$289,806
$0
$0
-$280,894
-$280,894
Year 2
$119,867
$110,688
$289,806
$0
$0
-$280,627
-$561,521
Year 3
$123,463
$114,009
$289,806
$0
$0
-$280,351
-$841,873
Year 4
$127,167
$117,429
$289,806
$0
$0
-$280,068
-$1,121,940
Year 5
$130,982
$120,952
$289,806
$0
$0
-$279,776
-$1,401,716
Year 5 disposal
Disposal gain (gross)$165,897
CGT$40,213
Net Disposal proceeds$5,169,944
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 · 5173.1 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 53 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
0/100
Marginal
2.40% — verify the rent + comps locally.
2.40% Return before costs — around the area average for this property type.
Monthly profit −$23,408/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$23K/mo
You top up $23K/mo
Price
$4.84M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.45M
Deposit + fees + refurb
Return before costson price2.40%5-yr return on cash -97%Rent est. $9,698 ($9,553–$9,845)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $9,553–$9,845/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $1,210,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,390–$135,130 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,630,000 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
-$23,408
after mortgage, operating costs & tax
Rent in$9,698/mo
$9,325Collected
$9,325/mo actually reaches you — the other $373 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$24,150Mortgage$8,955Costs
Outgoings exceed rent — you top up $23,408/mo
Mortgage$24,150
Costs$8,955
Management$970
Maintenance$67
Insurance$40
CapEx reserve$485
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$23,408
Returns
Return before costson price2.40%
Cash returnon cash-19.42%
Gross margin$370
Cash needed$1,446,620
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.22
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
$116,376
$107,464
$289,806
$0
$0
-$280,894
-$280,894
Year 2
$119,867
$110,688
$289,806
$0
$0
-$280,627
-$561,521
Year 3
$123,463
$114,009
$289,806
$0
$0
-$280,351
-$841,873
Year 4
$127,167
$117,429
$289,806
$0
$0
-$280,068
-$1,121,940
Year 5
$130,982
$120,952
$289,806
$0
$0
-$279,776
-$1,401,716
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
$1.4M
25% deposit$1,210,000
Refurb$103,760
Legal + survey$3,700
Mortgage + broker$73,600
Cash needed$1,446,620
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