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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3 BED SINGLE-FAMILY HOMEListed 78d ago
3-bed single_family investor view
(undisclosed Address), Liverpool, NY 13090 · 1,748 sqft · $1/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,108/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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 →
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 4779%Rent est. $2,803
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $650
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,598 asking ($1,559). Raw model: $81,220–$151,800. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,948.5 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
+$2,108
after mortgage, operating costs & tax
Rent in$2,803/mo
$2,695Collected
$2,695/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$682Costs$2,108Your profit
$2,108/mo left as profit · 78% of rent kept
Mortgage$13
Costs$682
Management$280
Maintenance$67
Insurance$20
CapEx reserve$140
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,108
Returns
Return before costson price1294.69%
Cash returnon cash1110.98%
Gross margin$2,013
Cash needed$2,277
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check11.77
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
$33,636
$8,184
$156
$0
$4,806
$20,490
$20,490
Year 2
$34,645
$8,430
$156
$0
$4,951
$21,109
$41,599
Year 3
$35,684
$8,683
$156
$0
$5,101
$21,745
$63,345
Year 4
$36,755
$8,943
$156
$0
$5,255
$22,401
$85,746
Year 5
$37,858
$9,211
$156
$0
$5,413
$23,078
$108,824
Year 5 disposal
Disposal gain (gross)-$3,112
CGT$0
Net Disposal proceeds$2,797
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 2-bath · 1748 sqft
$42k–$81k
$ per sqft
building cost only
$24–$47
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$12,236–$22,724
Flooring · Carpet on bedrooms + LVT/laminate downstairs$19,228–$36,708
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history78d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$2,108/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
1294.69%
+$2,108
$2,277
4779.3%
Low
Feasible
Refurb & refinance
1294.69%
+$2,108
$2,796
3892.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$154
$4,686
-87%
Med
Feasible
Ready to move on this deal?
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Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$2,277cash needed
Purchase price$2,598
Deposit (25%)$650
Refurb$1,559
Legal + survey$1,700
Mortgage fees$1,039
Total cash neededdeposit + costs (loan covers the rest)$2,277
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: NY
Effective rate0.40%
Total at sale$10
Graduated rate — slab-calculated at this price
About this propertydescription · zillowListing metazillow
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.
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$2,108/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 4779%Rent est. $2,803
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $650
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,598 asking ($1,559). Raw model: $81,220–$151,800. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,948.5 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
+$2,108
after mortgage, operating costs & tax
Rent in$2,803/mo
$2,695Collected
$2,695/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$682Costs$2,108Your profit
$2,108/mo left as profit · 78% of rent kept
Mortgage$13
Costs$682
Management$280
Maintenance$67
Insurance$20
CapEx reserve$140
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,108
Returns
Return before costson price1294.69%
Cash returnon cash1110.98%
Gross margin$2,013
Cash needed$2,277
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check11.77
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
$33,636
$8,184
$156
$0
$4,806
$20,490
$20,490
Year 2
$34,645
$8,430
$156
$0
$4,951
$21,109
$41,599
Year 3
$35,684
$8,683
$156
$0
$5,101
$21,745
$63,345
Year 4
$36,755
$8,943
$156
$0
$5,255
$22,401
$85,746
Year 5
$37,858
$9,211
$156
$0
$5,413
$23,078
$108,824
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$2K
25% deposit$650
Refurb$1,559
Legal + survey$1,700
Mortgage + broker$1,039
Cash needed$2,277
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