Likely sold or withdrawnWe last saw this listing 99 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 179d ago
Strong return buy-to-let
106 Victoria Park Dr, Liverpool, NY 13088 · 3,824 sqft · $82/sqft
Real 9.24% return before costs with manageable risks.
Why it works
9.24% return before costs — above-market
Why to be cautious
Monthly profit −$208/mo — significantly negative — real recurring drain
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
−$208/mo
You top up $208/mo
Price
$315K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$276K
Deposit + fees + refurb
Return before costson price9.24%5-yr return on cash -3%Rent est. $2,425 ($1,940–$3,031)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,940–$3,031/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $315,000 asking ($189,000). Raw model: $165,280–$307,640. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $236,250 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
-$208
after mortgage, operating costs & tax
Rent in$2,425/mo
$2,332Collected
$2,332/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,572Mortgage$1,061Costs
Outgoings exceed rent — you top up $208/mo
Mortgage$1,572
Costs$1,061
Management$243
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$208
Returns
Return before costson price9.24%
Cash returnon cash-0.90%
Gross margin$1,271
Cash needed$276,098
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.78
Rent-covers-mortgage check FAIL (need ≥ 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
$29,100
$12,734
$18,861
$0
$0
-$2,495
-$2,495
Year 2
$29,973
$13,116
$18,861
$0
$0
-$2,004
-$4,499
Year 3
$30,872
$13,509
$18,861
$0
$0
-$1,498
-$5,997
Year 4
$31,798
$13,914
$18,861
$0
$0
-$977
-$6,975
Year 5
$32,752
$14,332
$18,861
$0
$0
-$441
-$7,416
Year 5 disposal
Disposal gain (gross)-$173,359
CGT$0
Net Disposal proceeds$339,091
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 · 5127.9 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 99 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
65/100
Solid
Real 9.24% — fundamentals work.
9.24% Return before costs — above-market
Monthly cashflow
−$208/mo
You top up $208/mo
Price
$315K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$276K
Deposit + fees + refurb
Return before costson price9.24%5-yr return on cash -3%Rent est. $2,425 ($1,940–$3,031)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,940–$3,031/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $315,000 asking ($189,000). Raw model: $165,280–$307,640. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $236,250 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
-$208
after mortgage, operating costs & tax
Rent in$2,425/mo
$2,332Collected
$2,332/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,572Mortgage$1,061Costs
Outgoings exceed rent — you top up $208/mo
Mortgage$1,572
Costs$1,061
Management$243
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$208
Returns
Return before costson price9.24%
Cash returnon cash-0.90%
Gross margin$1,271
Cash needed$276,098
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.78
Rent-covers-mortgage check FAIL (need ≥ 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
$29,100
$12,734
$18,861
$0
$0
-$2,495
-$2,495
Year 2
$29,973
$13,116
$18,861
$0
$0
-$2,004
-$4,499
Year 3
$30,872
$13,509
$18,861
$0
$0
-$1,498
-$5,997
Year 4
$31,798
$13,914
$18,861
$0
$0
-$977
-$6,975
Year 5
$32,752
$14,332
$18,861
$0
$0
-$441
-$7,416
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$276K
25% deposit$78,750
Refurb$189,000
Legal + survey$2,150
Mortgage + broker$5,725
Cash needed$276,098
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