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.
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4 BED SINGLE-FAMILY HOMEListed 217d ago
4-bed single_family investor view
602 W Virginia Ave, Crewe, VA 23930 · 2,570 sqft · $97/sqft
$249,000
No rent data for this listing — run your own numbers in the calculator below.
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
$249K
Return before costson price
—
Cash needed
$218K
deposit + costs
Monthly profit
−$2K
net of mgmt + voids
5y Return on your cash
-43.8%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $62,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $249,000 asking ($149,400). Raw model: $115,690–$215,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $186,750 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
-$1,573
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$1,242$331
Outgoings exceed rent — you top up $1,573/mo
Mortgage$1,242
Costs$331
Maintenance$67
Insurance$28
Voids + council tax$6
Tax—
Shortfall−$1,573
Income
Monthly rent+$0
Outgoings
Mortgage-$1,242
Operating costs-$331
show breakdown ▾
Management (10% of rent)-$0
CapEx reserve (5% of rent)-$0
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.00%
Cash returnon cash-8.66%
Gross margin-$331
Cash needed$218,075
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$3,966
$14,909
$0
$0
-$18,876
-$18,876
Year 2
$0
$4,085
$14,909
$0
$0
-$18,995
-$37,871
Year 3
$0
$4,208
$14,909
$0
$0
-$19,117
-$56,988
Year 4
$0
$4,334
$14,909
$0
$0
-$19,244
-$76,231
Year 5
$0
$4,464
$14,909
$0
$0
-$19,374
-$95,605
Year 5 disposal
Disposal gain (gross)-$137,037
CGT$0
Net Disposal proceeds$268,043
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 · 5709.2 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.
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit −$1,573/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$249K
Return before costs
—
rent unknown
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $62,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $249,000 asking ($149,400). Raw model: $115,690–$215,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $186,750 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
-$1,573
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$1,242$331
Outgoings exceed rent — you top up $1,573/mo
Mortgage$1,242
Costs$331
Maintenance$67
Insurance$28
Voids + council tax$6
Tax—
Shortfall−$1,573
Income
Monthly rent+$0
Outgoings
Mortgage-$1,242
Operating costs-$331
show breakdown ▾
Management (10% of rent)-$0
CapEx reserve (5% of rent)-$0
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.00%
Cash returnon cash-8.66%
Gross margin-$331
Cash needed$218,075
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$3,966
$14,909
$0
$0
-$18,876
-$18,876
Year 2
$0
$4,085
$14,909
$0
$0
-$18,995
-$37,871
Year 3
$0
$4,208
$14,909
$0
$0
-$19,117
-$56,988
Year 4
$0
$4,334
$14,909
$0
$0
-$19,244
-$76,231
Year 5
$0
$4,464
$14,909
$0
$0
-$19,374
-$95,605
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
$218K
25% deposit$62,250
Refurb$149,400
Legal + survey$1,700
Mortgage + broker$4,735
Cash needed$218,075
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