Likely sold or withdrawnWe last saw this listing 47 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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1 BED APARTMENTListed 72d ago
1-bed apartment investor view
115 E Laurel Ave Floor 2, Cheltenham, PA 19012 · 650 sqft · $2/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,014/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 →
Price
$1K
Return before costson price
—
est rent $1,446not enough comparables
Cash needed
$1K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
4091.2%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $363
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,450 asking ($870). Raw model: $37,090–$69,980. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,087.5 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,014
after mortgage, operating costs & tax
Rent in$1,390/mo
Where it goes
$424$1,014
$1,014/mo left as profit · 73% of rent kept
Mortgage$7
Costs$424
Management$145
Maintenance$67
Insurance$20
CapEx reserve$72
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,014
Income
Monthly rent+$1,446
After 2wk voids: $1,390/mo
Outgoings
Mortgage-$7
Operating costs-$424
show breakdown ▾
Management (10% of rent)-$145
CapEx reserve (5% of rent)-$72
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1196.69%
Cash returnon cash950.95%
Gross margin$966
Cash needed$1,280
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.36
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
$17,352
$5,092
$87
$0
$2,313
$9,860
$9,860
Year 2
$17,873
$5,244
$87
$0
$2,383
$10,158
$20,019
Year 3
$18,409
$5,402
$87
$0
$2,455
$10,465
$30,484
Year 4
$18,961
$5,564
$87
$0
$2,529
$10,781
$41,265
Year 5
$19,530
$5,731
$87
$0
$2,605
$11,107
$52,372
Year 5 disposal
Disposal gain (gross)-$2,788
CGT$0
Net Disposal proceeds$1,561
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 cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5295.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 47 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+$1,014/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$1K
Return before costs
—
est rent $1,446/monot enough comparables
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $363
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,450 asking ($870). Raw model: $37,090–$69,980. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,087.5 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,014
after mortgage, operating costs & tax
Rent in$1,390/mo
Where it goes
$424$1,014
$1,014/mo left as profit · 73% of rent kept
Mortgage$7
Costs$424
Management$145
Maintenance$67
Insurance$20
CapEx reserve$72
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,014
Income
Monthly rent+$1,446
After 2wk voids: $1,390/mo
Outgoings
Mortgage-$7
Operating costs-$424
show breakdown ▾
Management (10% of rent)-$145
CapEx reserve (5% of rent)-$72
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1196.69%
Cash returnon cash950.95%
Gross margin$966
Cash needed$1,280
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.36
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
$17,352
$5,092
$87
$0
$2,313
$9,860
$9,860
Year 2
$17,873
$5,244
$87
$0
$2,383
$10,158
$20,019
Year 3
$18,409
$5,402
$87
$0
$2,455
$10,465
$30,484
Year 4
$18,961
$5,564
$87
$0
$2,529
$10,781
$41,265
Year 5
$19,530
$5,731
$87
$0
$2,605
$11,107
$52,372
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$1K
25% deposit$363
Refurb$870
Legal + survey$2,000
Mortgage + broker$1,022
Cash needed$1,280
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