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 28d ago
Strong return buy-to-let
500 E Virginia Ave, Crewe, VA 23930 · 1,580 sqft · $139/sqft
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
$220K
Return before costson price
9.55%
est rent $1,750not enough comparables
Cash needed
$193K
deposit + costs
Monthly profit
+$13
net of mgmt + voids
5y Return on your cash
2.1%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $55,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $220,000 asking ($132,000). Raw model: $75,340–$140,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $165,000 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
+$13
after mortgage, operating costs & tax
Rent in$1,683/mo
Where it goes
$1,098$639
$13/mo left as profit · 1% of rent kept
Mortgage$1,098
Costs$639
Management$175
Maintenance$67
Insurance$28
CapEx reserve$88
Voids + council tax$6
Tax—
Profit+$13
Income
Monthly rent+$1,750
After 2wk voids: $1,683/mo
Outgoings
Mortgage-$1,098
Operating costs-$639
show breakdown ▾
Management (10% of rent)-$175
CapEx reserve (5% of rent)-$88
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.55%
Cash returnon cash0.08%
Gross margin$1,043
Cash needed$192,676
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$21,000
$7,672
$13,173
$0
$30
$125
$125
Year 2
$21,630
$7,902
$13,173
$0
$105
$450
$575
Year 3
$22,279
$8,139
$13,173
$0
$184
$783
$1,358
Year 4
$22,947
$8,383
$13,173
$0
$264
$1,127
$2,486
Year 5
$23,636
$8,635
$13,173
$0
$347
$1,481
$3,967
Year 5 disposal
Disposal gain (gross)-$121,275
CGT$0
Net Disposal proceeds$236,825
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 · 5709.4 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
9.55% — verify the rent + comps locally.
9.55% Return before costs — above-market
Price
$220K
Return before costs
9.55%
est rent $1,750/monot enough comparables
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $55,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $220,000 asking ($132,000). Raw model: $75,340–$140,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $165,000 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
+$13
after mortgage, operating costs & tax
Rent in$1,683/mo
Where it goes
$1,098$639
$13/mo left as profit · 1% of rent kept
Mortgage$1,098
Costs$639
Management$175
Maintenance$67
Insurance$28
CapEx reserve$88
Voids + council tax$6
Tax—
Profit+$13
Income
Monthly rent+$1,750
After 2wk voids: $1,683/mo
Outgoings
Mortgage-$1,098
Operating costs-$639
show breakdown ▾
Management (10% of rent)-$175
CapEx reserve (5% of rent)-$88
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.55%
Cash returnon cash0.08%
Gross margin$1,043
Cash needed$192,676
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$21,000
$7,672
$13,173
$0
$30
$125
$125
Year 2
$21,630
$7,902
$13,173
$0
$105
$450
$575
Year 3
$22,279
$8,139
$13,173
$0
$184
$783
$1,358
Year 4
$22,947
$8,383
$13,173
$0
$264
$1,127
$2,486
Year 5
$23,636
$8,635
$13,173
$0
$347
$1,481
$3,967
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
$193K
25% deposit$55,000
Refurb$132,000
Legal + survey$1,700
Mortgage + broker$4,300
Cash needed$192,676
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