Likely sold or withdrawnWe last saw this listing 46 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 47d ago
Strong return buy-to-let
150 William Kidder Rd, Lancaster, NY 14086 · 2,261 sqft · $106/sqft
Monthly profit +$665/mo from completion — the no.1 reason to invest
14.53% return before costs — above-market
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 →
Price
$240K
Return before costson price
14.53%
est rent $2,905not enough comparablesRange $2,570–$3,284/mo (Q1–Q3)
Cash needed
$210K
deposit + costs
Monthly profit
+$665
net of mgmt + voids
5y Return on your cash
18.0%
after tax
IRR
—
cash + capital
Rent Range
$2,570–$3,284
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,570–$3,284/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $59,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $239,900 asking ($143,940). Raw model: $99,175–$185,145. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $179,925 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
+$665
after mortgage, operating costs & tax
Rent in$2,793/mo
Where it goes
$1,197$1,043$665
$665/mo left as profit · 24% of rent kept
Mortgage$1,197
Costs$1,043
Management$291
Maintenance$67
Insurance$28
CapEx reserve$145
Voids + council tax$6
Tax—
Profit+$665
Income
Monthly rent+$2,905
After 2wk voids: $2,793/mo
Outgoings
Mortgage-$1,197
Operating costs-$1,043
show breakdown ▾
Management (10% of rent)-$291
CapEx reserve (5% of rent)-$145
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.53%
Cash returnon cash3.79%
Gross margin$1,750
Cash needed$210,273
Monthly profit payback26y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.20
Rent-covers-mortgage check PASS (target 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
$34,860
$12,520
$14,365
$0
$1,515
$6,460
$6,460
Year 2
$35,906
$12,896
$14,365
$0
$1,643
$7,003
$13,463
Year 3
$36,983
$13,282
$14,365
$0
$1,774
$7,562
$21,025
Year 4
$38,092
$13,681
$14,365
$0
$1,909
$8,138
$29,163
Year 5
$39,235
$14,091
$14,365
$0
$2,048
$8,731
$37,894
Year 5 disposal
Disposal gain (gross)-$132,091
CGT$0
Net Disposal proceeds$258,247
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 · 5290.2 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 46 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 14.53% — fundamentals work.
Monthly profit+$665/mo at 25% deposit @ 5.5%
14.53% Return before costs — above-market
Price
$240K
Return before costs
14.53%
est rent $2,905/monot enough comparablesRange $2,570–$3,284/mo (Q1–Q3)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,570–$3,284/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $59,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $239,900 asking ($143,940). Raw model: $99,175–$185,145. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $179,925 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
+$665
after mortgage, operating costs & tax
Rent in$2,793/mo
Where it goes
$1,197$1,043$665
$665/mo left as profit · 24% of rent kept
Mortgage$1,197
Costs$1,043
Management$291
Maintenance$67
Insurance$28
CapEx reserve$145
Voids + council tax$6
Tax—
Profit+$665
Income
Monthly rent+$2,905
After 2wk voids: $2,793/mo
Outgoings
Mortgage-$1,197
Operating costs-$1,043
show breakdown ▾
Management (10% of rent)-$291
CapEx reserve (5% of rent)-$145
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.53%
Cash returnon cash3.79%
Gross margin$1,750
Cash needed$210,273
Monthly profit payback26y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.20
Rent-covers-mortgage check PASS (target 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
$34,860
$12,520
$14,365
$0
$1,515
$6,460
$6,460
Year 2
$35,906
$12,896
$14,365
$0
$1,643
$7,003
$13,463
Year 3
$36,983
$13,282
$14,365
$0
$1,774
$7,562
$21,025
Year 4
$38,092
$13,681
$14,365
$0
$1,909
$8,138
$29,163
Year 5
$39,235
$14,091
$14,365
$0
$2,048
$8,731
$37,894
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
$210K
25% deposit$59,975
Refurb$143,940
Legal + survey$1,700
Mortgage + broker$4,599
Cash needed$210,273
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