Likely sold or withdrawnWe last saw this listing 24 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
−$611/mo
You top up $611/mo
Price
$235K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$172K
Deposit + fees + refurb
Return before costson price6.44%5-yr return on cash -20%Rent est. $1,261 ($1,072–$1,483)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,072–$1,483/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $58,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $75,240–$140,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $176,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$611
after mortgage, operating costs & tax
Rent in$1,261/mo
$1,213Collected
$1,213/mo actually reaches you — the other $49 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,173Mortgage$699Costs
Outgoings exceed rent — you top up $611/mo
Mortgage$1,173
Costs$699
Management$126
Maintenance$67
Insurance$28
CapEx reserve$63
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$611
Returns
Return before costson price6.44%
Cash returnon cash-4.25%
Gross margin$513
Cash needed$172,308
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.54
Rent-covers-mortgage check FAIL (need ≥ 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
$15,132
$8,388
$14,071
$0
$0
-$7,327
-$7,327
Year 2
$15,586
$8,640
$14,071
$0
$0
-$7,125
-$14,453
Year 3
$16,054
$8,899
$14,071
$0
$0
-$6,917
-$21,369
Year 4
$16,535
$9,166
$14,071
$0
$0
-$6,702
-$28,071
Year 5
$17,031
$9,441
$14,071
$0
$0
-$6,481
-$34,552
Year 5 disposal
Disposal gain (gross)-$96,462
CGT$0
Net Disposal proceeds$252,973
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5741.7 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 24 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
34/100
Marginal
6.44% — verify the rent + comps locally.
6.44% Return before costs — around the area average for this property type.
Monthly profit −$611/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$611/mo
You top up $611/mo
Price
$235K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$172K
Deposit + fees + refurb
Return before costson price6.44%5-yr return on cash -20%Rent est. $1,261 ($1,072–$1,483)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,072–$1,483/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $58,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $75,240–$140,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $176,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$611
after mortgage, operating costs & tax
Rent in$1,261/mo
$1,213Collected
$1,213/mo actually reaches you — the other $49 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,173Mortgage$699Costs
Outgoings exceed rent — you top up $611/mo
Mortgage$1,173
Costs$699
Management$126
Maintenance$67
Insurance$28
CapEx reserve$63
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$611
Returns
Return before costson price6.44%
Cash returnon cash-4.25%
Gross margin$513
Cash needed$172,308
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.54
Rent-covers-mortgage check FAIL (need ≥ 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
$15,132
$8,388
$14,071
$0
$0
-$7,327
-$7,327
Year 2
$15,586
$8,640
$14,071
$0
$0
-$7,125
-$14,453
Year 3
$16,054
$8,899
$14,071
$0
$0
-$6,917
-$21,369
Year 4
$16,535
$9,166
$14,071
$0
$0
-$6,702
-$28,071
Year 5
$17,031
$9,441
$14,071
$0
$0
-$6,481
-$34,552
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$172K
25% deposit$58,750
Refurb$108,035
Legal + survey$1,700
Mortgage + broker$4,525
Cash needed$172,308
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