Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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
$678K
Return before costson price
5.66%
est rent $3,196not enough comparablesRange $2,859–$3,573/mo (Q1–Q3)
Cash needed
$337K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-22.1%
after tax
IRR
—
cash + capital
Rent Range
$2,859–$3,573
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,859–$3,573/mo · n=35
Financing
DepositYour cash in — the rest is the mortgage25% · $169,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $105,650–$197,170 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $508,499.25 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,363
after mortgage, operating costs & tax
Rent in$3,073/mo
Where it goes
$3,383$1,176
Outgoings exceed rent — you top up $1,363/mo
Mortgage$3,383
Costs$1,176
Management$320
Maintenance$67
Insurance$40
CapEx reserve$160
Voids + council tax$11
Tax—
Shortfall−$1,363
Income
Monthly rent+$3,196
After 2wk voids: $3,073/mo
Outgoings
Mortgage-$3,383
Operating costs-$1,176
show breakdown ▾
Management (10% of rent)-$320
CapEx reserve (5% of rent)-$160
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.66%
Cash returnon cash-4.86%
Gross margin$1,897
Cash needed$336,911
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.57
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
$38,352
$14,113
$40,597
$0
$0
-$16,358
-$16,358
Year 2
$39,503
$14,536
$40,597
$0
$0
-$15,630
-$31,988
Year 3
$40,688
$14,972
$40,597
$0
$0
-$14,881
-$46,869
Year 4
$41,908
$15,421
$40,597
$0
$0
-$14,110
-$60,979
Year 5
$43,166
$15,884
$40,597
$0
$0
-$13,315
-$74,295
Year 5 disposal
Disposal gain (gross)-$116,017
CGT$0
Net Disposal proceeds$729,852
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 · 8172.6 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 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
27/100
Marginal
5.66% — verify the rent + comps locally.
5.66% Return before costs — around the area average for this property type.
Monthly profit −$1,363/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$678K
Return before costs
5.66%
est rent $3,196/monot enough comparablesRange $2,859–$3,573/mo (Q1–Q3)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,859–$3,573/mo · n=35
Financing
DepositYour cash in — the rest is the mortgage25% · $169,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $105,650–$197,170 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $508,499.25 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,363
after mortgage, operating costs & tax
Rent in$3,073/mo
Where it goes
$3,383$1,176
Outgoings exceed rent — you top up $1,363/mo
Mortgage$3,383
Costs$1,176
Management$320
Maintenance$67
Insurance$40
CapEx reserve$160
Voids + council tax$11
Tax—
Shortfall−$1,363
Income
Monthly rent+$3,196
After 2wk voids: $3,073/mo
Outgoings
Mortgage-$3,383
Operating costs-$1,176
show breakdown ▾
Management (10% of rent)-$320
CapEx reserve (5% of rent)-$160
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.66%
Cash returnon cash-4.86%
Gross margin$1,897
Cash needed$336,911
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.57
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
$38,352
$14,113
$40,597
$0
$0
-$16,358
-$16,358
Year 2
$39,503
$14,536
$40,597
$0
$0
-$15,630
-$31,988
Year 3
$40,688
$14,972
$40,597
$0
$0
-$14,881
-$46,869
Year 4
$41,908
$15,421
$40,597
$0
$0
-$14,110
-$60,979
Year 5
$43,166
$15,884
$40,597
$0
$0
-$13,315
-$74,295
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
$337K
25% deposit$169,500
Refurb$151,410
Legal + survey$2,900
Mortgage + broker$11,170
Cash needed$336,911
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