Likely sold or withdrawnWe last saw this listing 17 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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2 BED SINGLE-FAMILY HOMEListed 32d ago
2-bed single_family investor view
909 E 28th St, Sheffield, AL 35660 · 850 sqft · $1/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$488/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
+$488/mo
Pays you every month, net of costs
Price
$850
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$743
Deposit + fees + refurb
5-yr return on cash 3394%Rent est. $792
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $213
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $850 asking ($510). Raw model: $44,090–$82,980. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $637.5 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$488
after mortgage, operating costs & tax
Rent in$792/mo
$762Collected
$762/mo actually reaches you — the other $30 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$300Costs$488Your profit
$488/mo left as profit · 64% of rent kept
Mortgage$4
Costs$300
Management$79
Maintenance$67
Insurance$20
CapEx reserve$40
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$488
Returns
Return before costson price1118.12%
Cash returnon cash788.90%
Gross margin$462
Cash needed$743
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.59
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
$9,504
$3,595
$51
$0
$1,113
$4,746
$4,746
Year 2
$9,789
$3,702
$51
$0
$1,147
$4,889
$9,634
Year 3
$10,083
$3,814
$51
$0
$1,181
$5,037
$14,672
Year 4
$10,385
$3,928
$51
$0
$1,217
$5,189
$19,861
Year 5
$10,697
$4,046
$51
$0
$1,254
$5,346
$25,207
Year 5 disposal
Disposal gain (gross)-$2,162
CGT$0
Net Disposal proceeds$915
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 · 6486.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 17 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+$488/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$488/mo
Pays you every month, net of costs
Price
$850
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$743
Deposit + fees + refurb
5-yr return on cash 3394%Rent est. $792
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $213
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $850 asking ($510). Raw model: $44,090–$82,980. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $637.5 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$488
after mortgage, operating costs & tax
Rent in$792/mo
$762Collected
$762/mo actually reaches you — the other $30 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$300Costs$488Your profit
$488/mo left as profit · 64% of rent kept
Mortgage$4
Costs$300
Management$79
Maintenance$67
Insurance$20
CapEx reserve$40
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$488
Returns
Return before costson price1118.12%
Cash returnon cash788.90%
Gross margin$462
Cash needed$743
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.59
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
$9,504
$3,595
$51
$0
$1,113
$4,746
$4,746
Year 2
$9,789
$3,702
$51
$0
$1,147
$4,889
$9,634
Year 3
$10,083
$3,814
$51
$0
$1,181
$5,037
$14,672
Year 4
$10,385
$3,928
$51
$0
$1,217
$5,189
$19,861
Year 5
$10,697
$4,046
$51
$0
$1,254
$5,346
$25,207
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
$743
25% deposit$213
Refurb$510
Legal + survey$1,700
Mortgage + broker$1,013
Cash needed$743
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