Likely sold or withdrawnWe last saw this listing 23 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,188/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
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
+$1K/mo
Pays you every month, net of costs
Price
$120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$105K
Deposit + fees + refurb
5-yr return on cash 60%Rent est. $2,594 ($1,950–$3,451)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,950–$3,451/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $119,999 asking ($71,999). Raw model: $55,845–$104,675. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $89,999.25 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
+$1,188
after mortgage, operating costs & tax
Rent in$2,594/mo
$2,494Collected
$2,494/mo actually reaches you — the other $100 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$807Costs$1,188Your profit
$1,188/mo left as profit · 48% of rent kept
Mortgage$599
Costs$807
Management$259
Maintenance$67
Insurance$20
CapEx reserve$130
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,188
Returns
Return before costson price25.94%
Cash returnon cash13.62%
Gross margin$1,687
Cash needed$104,699
Monthly profit payback7y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.98
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
$31,128
$9,682
$7,185
$0
$2,709
$11,551
$11,551
Year 2
$32,062
$9,973
$7,185
$0
$2,832
$12,072
$23,623
Year 3
$33,024
$10,272
$7,185
$0
$2,958
$12,608
$36,231
Year 4
$34,014
$10,580
$7,185
$0
$3,087
$13,162
$49,393
Year 5
$35,035
$10,898
$7,185
$0
$3,221
$13,731
$63,124
Year 5 disposal
Disposal gain (gross)-$66,922
CGT$0
Net Disposal proceeds$129,176
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 · 7182.6 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 23 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
10/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$1,188/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$105K
Deposit + fees + refurb
5-yr return on cash 60%Rent est. $2,594 ($1,950–$3,451)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,950–$3,451/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $119,999 asking ($71,999). Raw model: $55,845–$104,675. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $89,999.25 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
+$1,188
after mortgage, operating costs & tax
Rent in$2,594/mo
$2,494Collected
$2,494/mo actually reaches you — the other $100 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$807Costs$1,188Your profit
$1,188/mo left as profit · 48% of rent kept
Mortgage$599
Costs$807
Management$259
Maintenance$67
Insurance$20
CapEx reserve$130
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,188
Returns
Return before costson price25.94%
Cash returnon cash13.62%
Gross margin$1,687
Cash needed$104,699
Monthly profit payback7y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.98
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
$31,128
$9,682
$7,185
$0
$2,709
$11,551
$11,551
Year 2
$32,062
$9,973
$7,185
$0
$2,832
$12,072
$23,623
Year 3
$33,024
$10,272
$7,185
$0
$2,958
$12,608
$36,231
Year 4
$34,014
$10,580
$7,185
$0
$3,087
$13,162
$49,393
Year 5
$35,035
$10,898
$7,185
$0
$3,221
$13,731
$63,124
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
$105K
25% deposit$30,000
Refurb$71,999
Legal + survey$1,700
Mortgage + broker$2,800
Cash needed$104,699
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