Likely sold or withdrawnWe last saw this listing 29 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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SINGLE-FAMILY HOMEListed 31d ago
Single_family investor view
428 Ocean Grove Ave, Swansea, MA 02777 · 328 sqft · $3/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$953/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Floor area 328 sqft — small for the type
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
+$953/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$965
Deposit + fees + refurb
5-yr return on cash 5098%Rent est. $1,367
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $275
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,100 asking ($660). Raw model: $25,820–$49,050. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $825 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$953
after mortgage, operating costs & tax
Rent in$1,367/mo
$1,314Collected
$1,314/mo actually reaches you — the other $53 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$409Costs$953Your profit
$953/mo left as profit · 72% of rent kept
Mortgage$5
Costs$409
Management$137
Maintenance$67
Insurance$20
CapEx reserve$68
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$953
Returns
Return before costson price1491.27%
Cash returnon cash1185.12%
Gross margin$906
Cash needed$965
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.11
Rent-covers-mortgage check PASS (target 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
$16,404
$4,905
$66
$0
$2,172
$9,261
$9,261
Year 2
$16,896
$5,052
$66
$0
$2,238
$9,540
$18,802
Year 3
$17,403
$5,203
$66
$0
$2,305
$9,829
$28,630
Year 4
$17,925
$5,360
$66
$0
$2,375
$10,125
$38,755
Year 5
$18,463
$5,520
$66
$0
$2,447
$10,430
$49,185
Year 5 disposal
Disposal gain (gross)-$2,298
CGT$0
Net Disposal proceeds$1,184
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4931.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 29 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
No rent data — verify locally before offering.
Monthly profit+$953/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$953/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$965
Deposit + fees + refurb
5-yr return on cash 5098%Rent est. $1,367
Bedrooms
0
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $275
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,100 asking ($660). Raw model: $25,820–$49,050. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $825 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$953
after mortgage, operating costs & tax
Rent in$1,367/mo
$1,314Collected
$1,314/mo actually reaches you — the other $53 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$409Costs$953Your profit
$953/mo left as profit · 72% of rent kept
Mortgage$5
Costs$409
Management$137
Maintenance$67
Insurance$20
CapEx reserve$68
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$953
Returns
Return before costson price1491.27%
Cash returnon cash1185.12%
Gross margin$906
Cash needed$965
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.11
Rent-covers-mortgage check PASS (target 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
$16,404
$4,905
$66
$0
$2,172
$9,261
$9,261
Year 2
$16,896
$5,052
$66
$0
$2,238
$9,540
$18,802
Year 3
$17,403
$5,203
$66
$0
$2,305
$9,829
$28,630
Year 4
$17,925
$5,360
$66
$0
$2,375
$10,125
$38,755
Year 5
$18,463
$5,520
$66
$0
$2,447
$10,430
$49,185
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing