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
+$718/mo
Cash needed
$37K
Return after costs
23.1%
Cash return
23.1%
↓ PRICE CUT ×2 −9%
⊞ View all 9
2 BED TOWNHOUSEListed 159d ago
You'd make about $718 a month, and it holds up.
The rent is our own estimate — worth checking against two or three real local lettings. An empty month costs you 2 months of it, so there is room for things to go wrong. It has been listed 159 days without selling, which is your argument for offering less.
2818 S Bartell Dr APT 34, Houston, TX 77054 · 780 sqft · $55/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$718/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,256–$1,574/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · $10,688
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $42,750 asking ($25,650). Raw model: $41,640–$78,430. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $32,062.5 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
+$718
after mortgage, operating costs & tax
Rent in$1,406/mo
$1,352Collected
$1,352/mo actually reaches you — the other $54 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$475Costs$718Your profit
$718/mo left as profit · 53% of rent kept
Mortgage$213
Costs$475
Management$141
Maintenance$67
Insurance$20
CapEx reserve$70
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$718
Returns
Return before costson price39.47%
Cash returnon cash23.10%
Gross margin$877
Cash needed$37,299
Monthly profit payback4y 4m
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?
Generates an offer pack with your numbers & sources — take it to the agent.