Likely sold or withdrawnWe last saw this listing 22 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit
+$899/mo
Cash needed
$82K
Return after costs
13.1%
Cash return
13.1%
⊞ View all 36
2 BED TOWNHOUSEListed 38d ago
You'd make about $899 a month, and it holds up.
The rent is well evidenced — 29 similar homes letting nearby. An empty month costs you 2 months of it, so there is room for things to go wrong.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$899/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,843–$2,251/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $23,625
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $94,500 asking ($56,700). Raw model: $59,905–$112,215. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $70,875 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
+$899
after mortgage, operating costs & tax
Rent in$2,037/mo
$1,959Collected
$1,959/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$472Mortgage$666Costs$899Your profit
$899/mo left as profit · 46% of rent kept
Mortgage$472
Costs$666
Management$204
Maintenance$67
Insurance$20
CapEx reserve$102
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$899
Returns
Return before costson price25.87%
Cash returnon cash13.09%
Gross margin$1,292
Cash needed$82,451
Monthly profit payback7y 8m
Data confidence
One card is deliberately absent.Renting it by the room — Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Ready to move on this deal?
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