Rented normally, it costs you $190 a month. That is $2,277 a year, every year you hold it.

What if I change my assumptions?The dials

At the asking price, 25% deposit, 7.00%

Change any of these 15 and every card on this page changes with it.

◧ worked out from local rents

What will it cost me to buy?Breakdown

$60,764

And about $11,387 more over five years, because it loses $190 every month you hold it — before any repair. That already assumes the rent never falls.

$60,764 to buy it

deposit · purchase costs · legal · fees

◧ 25% deposit, typical fees

What would have to be true?The working

$30,000 off and it stops losing money

At the asking price you feed it $190 a month. At $185,775 the rent covers everything — leaving closing costs of $3,716 at that price.

offer $185,775

asked $220,000

◧ worked back from the rent■ closing costs re-bandedrounded down to $5,000 — the rent it works back from is an estimate

Can we trust the rent?Rent evidence

Nearby rentals, but only by searching 4.3 km

We widened the search to find them, past where we normally stop looking, so these are not next-door comparisons.

our bar: 10 within 500 m

■ 7 rentals within 4.3 km□ searched wider than our barAdvertised rents, not signed tenancies

How big is it, really?The working

One figure, and nothing checking it 1,247 sq ft

Only the agent’s figure exists for this house. Open for what that means.

□ area unchecked — agent’s own

Is it a good location?Open the map

Harrogate

We hold no schools, flood or crime reading for this address yet — open for the map and what we do have. An absence here is a gap in our record, not a clean bill.

■ mapped to a point, not an address

Is there anything that stops it?The checks

We do not screen letting restrictions in this market

These are UK rules and we run no equivalent here. Not checked — never as clear.

4 do not apply to this property

■ listing last seen 13 Apr 2026

What would you walk away with?The five-year sums

−$1,274 after five years on the cash you put in, before tax on the sale

Less than the same cash would have made in a savings account, after tax on the interest. The savings account’s capital is not at risk; the property’s is. A fall of about 23% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the $60,764 you put in. In some US states the lender cannot pursue the shortfall after a foreclosure; ask before you sign.

◧ 2.0%/yr growth assumed

What can we answer in this market?

6 of 11 questions 5 need data we do not hold in this market yet

3 of them run on numbers you set yourself, so they stay amber however good they look.

□ Coverage, not a verdict