Likely sold or withdrawnWe last saw this listing 53 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
3 BED SINGLE-FAMILY HOMEListed 79d ago
Strong return buy-to-let
225 Russell Ave, Liverpool, NY 13088 · 1,312 sqft · $152/sqft
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
−$102/mo
You top up $102/mo
Price
$200K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$175K
Deposit + fees + refurb
Return before costson price9.86%5-yr return on cash -2%Rent est. $1,644 ($1,528–$1,769)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,528–$1,769/mo · n=101
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $199,999 asking ($119,999). Raw model: $65,960–$123,460. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $149,999.25 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
-$102
after mortgage, operating costs & tax
Rent in$1,644/mo
$1,581Collected
$1,581/mo actually reaches you — the other $63 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$748Costs
Outgoings exceed rent — you top up $102/mo
Mortgage$998
Costs$748
Management$164
Maintenance$67
Insurance$20
CapEx reserve$82
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$102
Returns
Return before costson price9.86%
Cash returnon cash-0.70%
Gross margin$833
Cash needed$175,299
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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
$19,728
$8,978
$11,975
$0
$0
-$1,225
-$1,225
Year 2
$20,320
$9,247
$11,975
$0
$0
-$903
-$2,128
Year 3
$20,929
$9,525
$11,975
$0
$0
-$571
-$2,699
Year 4
$21,557
$9,810
$11,975
$0
$0
-$228
-$2,927
Year 5
$22,204
$10,105
$11,975
$0
$24
$100
-$2,827
Year 5 disposal
Disposal gain (gross)-$110,403
CGT$0
Net Disposal proceeds$215,295
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5131.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 53 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 9.86% — fundamentals work.
9.86% Return before costs — above-market
Monthly cashflow
−$102/mo
You top up $102/mo
Price
$200K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$175K
Deposit + fees + refurb
Return before costson price9.86%5-yr return on cash -2%Rent est. $1,644 ($1,528–$1,769)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,528–$1,769/mo · n=101
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $199,999 asking ($119,999). Raw model: $65,960–$123,460. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $149,999.25 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
-$102
after mortgage, operating costs & tax
Rent in$1,644/mo
$1,581Collected
$1,581/mo actually reaches you — the other $63 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$748Costs
Outgoings exceed rent — you top up $102/mo
Mortgage$998
Costs$748
Management$164
Maintenance$67
Insurance$20
CapEx reserve$82
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$102
Returns
Return before costson price9.86%
Cash returnon cash-0.70%
Gross margin$833
Cash needed$175,299
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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
$19,728
$8,978
$11,975
$0
$0
-$1,225
-$1,225
Year 2
$20,320
$9,247
$11,975
$0
$0
-$903
-$2,128
Year 3
$20,929
$9,525
$11,975
$0
$0
-$571
-$2,699
Year 4
$21,557
$9,810
$11,975
$0
$0
-$228
-$2,927
Year 5
$22,204
$10,105
$11,975
$0
$24
$100
-$2,827
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
Transport detail not loaded for this property.
Acquisition costs
$175K
25% deposit$50,000
Refurb$119,999
Legal + survey$1,700
Mortgage + broker$4,000
Cash needed$175,299
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