Likely sold or withdrawnWe last saw this listing 16 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit +$842/mo from completion — the no.1 reason to invest
24.75% return before costs — above-market
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
$90K
Return before costson price
24.75%
est rent $1,856not enough comparables
Cash needed
$79K
deposit + costs
Monthly profit
+$842
net of mgmt + voids
5y Return on your cash
56.8%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $22,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $90,000 asking ($54,000). Raw model: $113,980–$212,640. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $67,500 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
+$842
after mortgage, operating costs & tax
Rent in$1,785/mo
Where it goes
$449$565$842
$842/mo left as profit · 47% of rent kept
Mortgage$449
Costs$565
Management$186
Maintenance$67
Insurance$20
CapEx reserve$93
Voids + council tax$5
Tax—
Profit+$842
Income
Monthly rent+$1,856
After 2wk voids: $1,785/mo
Outgoings
Mortgage-$449
Operating costs-$565
show breakdown ▾
Management (10% of rent)-$186
CapEx reserve (5% of rent)-$93
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price24.75%
Cash returnon cash12.82%
Gross margin$1,220
Cash needed$78,822
Monthly profit payback7y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.96
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
$22,272
$6,780
$5,389
$0
$1,920
$8,183
$8,183
Year 2
$22,940
$6,984
$5,389
$0
$2,008
$8,559
$16,742
Year 3
$23,628
$7,193
$5,389
$0
$2,099
$8,947
$25,689
Year 4
$24,337
$7,409
$5,389
$0
$2,192
$9,347
$35,036
Year 5
$25,067
$7,631
$5,389
$0
$2,289
$9,758
$44,794
Year 5 disposal
Disposal gain (gross)-$50,617
CGT$0
Net Disposal proceeds$96,883
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5709.3 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Likely sold or withdrawnWe last saw this listing 16 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
85/100
Strong
24.75% — verify the rent + comps locally.
Monthly profit+$842/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
24.75% Return before costs — above-market
Price
$90K
Return before costs
24.75%
est rent $1,856/monot enough comparables
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $22,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $90,000 asking ($54,000). Raw model: $113,980–$212,640. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $67,500 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
+$842
after mortgage, operating costs & tax
Rent in$1,785/mo
Where it goes
$449$565$842
$842/mo left as profit · 47% of rent kept
Mortgage$449
Costs$565
Management$186
Maintenance$67
Insurance$20
CapEx reserve$93
Voids + council tax$5
Tax—
Profit+$842
Income
Monthly rent+$1,856
After 2wk voids: $1,785/mo
Outgoings
Mortgage-$449
Operating costs-$565
show breakdown ▾
Management (10% of rent)-$186
CapEx reserve (5% of rent)-$93
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price24.75%
Cash returnon cash12.82%
Gross margin$1,220
Cash needed$78,822
Monthly profit payback7y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.96
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
$22,272
$6,780
$5,389
$0
$1,920
$8,183
$8,183
Year 2
$22,940
$6,984
$5,389
$0
$2,008
$8,559
$16,742
Year 3
$23,628
$7,193
$5,389
$0
$2,099
$8,947
$25,689
Year 4
$24,337
$7,409
$5,389
$0
$2,192
$9,347
$35,036
Year 5
$25,067
$7,631
$5,389
$0
$2,289
$9,758
$44,794
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
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Acquisition costs
$79K
25% deposit$22,500
Refurb$54,000
Legal + survey$1,700
Mortgage + broker$2,350
Cash needed$78,822
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