Likely sold or withdrawnWe last saw this listing 69 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit
+$1,344/mo
Cash needed
$92K
Return after costs
17.6%
Cash return
17.6%
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3 BED TOWNHOUSEListed 136d ago
You'd make about $1,344 a month, and it holds up.
The rent is well evidenced — 26 similar homes letting nearby. An empty month costs you 2 months of it, so there is room for things to go wrong. It has been listed 136 days without selling, which is your argument for offering less.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,344/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,522–$2,822/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · $26,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $105,000 asking ($63,000). Raw model: $72,540–$135,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $78,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,344
after mortgage, operating costs & tax
Rent in$2,668/mo
$2,565Collected
$2,565/mo actually reaches you — the other $103 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$524Mortgage$800Costs$1,344Your profit
$1,344/mo left as profit · 52% of rent kept
Mortgage$524
Costs$800
Management$267
Maintenance$67
Insurance$20
CapEx reserve$133
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,344
Returns
Return before costson price30.49%
Cash returnon cash17.61%
Gross margin$1,766
Cash needed$91,613
Monthly profit payback5y 9m
Data confidence
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