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.
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3 BED CONDOListed 55d ago
Strong return buy-to-let
430 E 58th St #63A, New York, NY 10022 · 2,301 sqft · $3,477/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
−$46K/mo
You top up $46K/mo
Price
$8.00M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2.38M
Deposit + fees + refurb
Return before costson price99.00%5-yr return on cash -117%Rent est. $6,594 ($6,106–$7,121)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,106–$7,121/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $2,000,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $111,975–$208,645 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $6,000,000 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
-$46,250
after mortgage, operating costs & tax
Rent in$6,594/mo
$6,340Collected
$6,340/mo actually reaches you — the other $254 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$39,918Mortgage$12,926Costs
Outgoings exceed rent — you top up $46,250/mo
Mortgage$39,918
Costs$12,926
Management$659
Maintenance$67
Insurance$40
CapEx reserve$330
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$46,250
Returns
Return before costson price0.99%
Cash returnon cash-23.27%
Gross margin-$6,586
Cash needed$2,384,810
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.09
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
$79,128
$155,113
$479,018
$0
$0
-$555,002
-$555,002
Year 2
$81,502
$159,766
$479,018
$0
$0
-$557,282
-$1,112,284
Year 3
$83,947
$164,559
$479,018
$0
$0
-$559,630
-$1,671,914
Year 4
$86,465
$169,496
$479,018
$0
$0
-$562,048
-$2,233,962
Year 5
$89,059
$174,581
$479,018
$0
$0
-$564,539
-$2,798,502
Year 5 disposal
Disposal gain (gross)$287,820
CGT$71,955
Net Disposal proceeds$8,539,875
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 · 5173.1 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 53 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 99.00% — fundamentals work.
99.00% Return before costs — above-market
Monthly cashflow
−$46K/mo
You top up $46K/mo
Price
$8.00M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2.38M
Deposit + fees + refurb
Return before costson price99.00%5-yr return on cash -117%Rent est. $6,594 ($6,106–$7,121)
Bedrooms
3
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,106–$7,121/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $2,000,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $111,975–$208,645 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $6,000,000 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
-$46,250
after mortgage, operating costs & tax
Rent in$6,594/mo
$6,340Collected
$6,340/mo actually reaches you — the other $254 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$39,918Mortgage$12,926Costs
Outgoings exceed rent — you top up $46,250/mo
Mortgage$39,918
Costs$12,926
Management$659
Maintenance$67
Insurance$40
CapEx reserve$330
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$46,250
Returns
Return before costson price0.99%
Cash returnon cash-23.27%
Gross margin-$6,586
Cash needed$2,384,810
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.09
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
$79,128
$155,113
$479,018
$0
$0
-$555,002
-$555,002
Year 2
$81,502
$159,766
$479,018
$0
$0
-$557,282
-$1,112,284
Year 3
$83,947
$164,559
$479,018
$0
$0
-$559,630
-$1,671,914
Year 4
$86,465
$169,496
$479,018
$0
$0
-$562,048
-$2,233,962
Year 5
$89,059
$174,581
$479,018
$0
$0
-$564,539
-$2,798,502
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
$2.4M
25% deposit$2,000,000
Refurb$160,310
Legal + survey$3,700
Mortgage + broker$121,000
Cash needed$2,384,810
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