Likely sold or withdrawnWe last saw this listing 25 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
+$196/mo
Barely breaks even each month
Price
$59K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$51K
Deposit + fees + refurb
Return before costson price16.96%5-yr return on cash 21%Rent est. $834 ($709–$981)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $709–$981/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $14,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $59,000 asking ($35,400). Raw model: $49,060–$92,210. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $44,250 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
+$196
after mortgage, operating costs & tax
Rent in$834/mo
$802Collected
$802/mo actually reaches you — the other $32 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$294Mortgage$344Costs$196Your profit
$196/mo left as profit · 24% of rent kept
Mortgage$294
Costs$344
Management$83
Maintenance$67
Insurance$20
CapEx reserve$42
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$196
Returns
Return before costson price16.96%
Cash returnon cash4.56%
Gross margin$458
Cash needed$51,478
Monthly profit payback22y
Data confidence
Lender stress test
Rent-covers-mortgage check1.21
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
$10,008
$4,129
$3,533
$0
$446
$1,901
$1,901
Year 2
$10,308
$4,252
$3,533
$0
$479
$2,044
$3,945
Year 3
$10,617
$4,380
$3,533
$0
$514
$2,191
$6,135
Year 4
$10,936
$4,511
$3,533
$0
$549
$2,343
$8,478
Year 5
$11,264
$4,647
$3,533
$0
$586
$2,499
$10,977
Year 5 disposal
Disposal gain (gross)-$33,768
CGT$0
Net Disposal proceeds$63,512
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6613.4 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 25 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 16.96% — fundamentals work.
16.96% Return before costs — above-market
Monthly cashflow
+$196/mo
Barely breaks even each month
Price
$59K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$51K
Deposit + fees + refurb
Return before costson price16.96%5-yr return on cash 21%Rent est. $834 ($709–$981)
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $709–$981/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $14,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $59,000 asking ($35,400). Raw model: $49,060–$92,210. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $44,250 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
+$196
after mortgage, operating costs & tax
Rent in$834/mo
$802Collected
$802/mo actually reaches you — the other $32 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$294Mortgage$344Costs$196Your profit
$196/mo left as profit · 24% of rent kept
Mortgage$294
Costs$344
Management$83
Maintenance$67
Insurance$20
CapEx reserve$42
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$196
Returns
Return before costson price16.96%
Cash returnon cash4.56%
Gross margin$458
Cash needed$51,478
Monthly profit payback22y
Data confidence
Lender stress test
Rent-covers-mortgage check1.21
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
$10,008
$4,129
$3,533
$0
$446
$1,901
$1,901
Year 2
$10,308
$4,252
$3,533
$0
$479
$2,044
$3,945
Year 3
$10,617
$4,380
$3,533
$0
$514
$2,191
$6,135
Year 4
$10,936
$4,511
$3,533
$0
$549
$2,343
$8,478
Year 5
$11,264
$4,647
$3,533
$0
$586
$2,499
$10,977
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$51K
25% deposit$14,750
Refurb$35,400
Legal + survey$1,700
Mortgage + broker$1,885
Cash needed$51,478
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