Likely sold or withdrawnWe last saw this listing 67 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 →
Monthly cashflow
−$937/mo
You top up $937/mo
Price
$430K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$220K
Deposit + fees + refurb
Return before costson price7.72%5-yr return on cash -24%Rent est. $2,764 ($2,564–$2,980)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,564–$2,980/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $107,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,630–$130,140 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $322,425 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
-$937
after mortgage, operating costs & tax
Rent in$2,764/mo
$2,658Collected
$2,658/mo actually reaches you — the other $106 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,145Mortgage$1,556Costs
Outgoings exceed rent — you top up $937/mo
Mortgage$2,145
Costs$1,556
Management$276
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$937
Returns
Return before costson price7.72%
Cash returnon cash-5.11%
Gross margin$1,102
Cash needed$219,985
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.61
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
$33,168
$18,669
$25,741
$0
$0
-$11,243
-$11,243
Year 2
$34,163
$19,230
$25,741
$0
$0
-$10,808
-$22,050
Year 3
$35,188
$19,806
$25,741
$0
$0
-$10,360
-$32,410
Year 4
$36,244
$20,401
$25,741
$0
$0
-$9,898
-$42,308
Year 5
$37,331
$21,013
$25,741
$0
$0
-$9,423
-$51,731
Year 5 disposal
Disposal gain (gross)-$77,755
CGT$0
Net Disposal proceeds$462,778
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5217 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 67 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
47/100
Caution
7.72% — verify the rent + comps locally.
7.72% Return before costs — above-market
Monthly cashflow
−$937/mo
You top up $937/mo
Price
$430K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$220K
Deposit + fees + refurb
Return before costson price7.72%5-yr return on cash -24%Rent est. $2,764 ($2,564–$2,980)
Bedrooms
2
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,564–$2,980/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $107,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,630–$130,140 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $322,425 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
-$937
after mortgage, operating costs & tax
Rent in$2,764/mo
$2,658Collected
$2,658/mo actually reaches you — the other $106 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,145Mortgage$1,556Costs
Outgoings exceed rent — you top up $937/mo
Mortgage$2,145
Costs$1,556
Management$276
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$937
Returns
Return before costson price7.72%
Cash returnon cash-5.11%
Gross margin$1,102
Cash needed$219,985
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.61
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
$33,168
$18,669
$25,741
$0
$0
-$11,243
-$11,243
Year 2
$34,163
$19,230
$25,741
$0
$0
-$10,808
-$22,050
Year 3
$35,188
$19,806
$25,741
$0
$0
-$10,360
-$32,410
Year 4
$36,244
$20,401
$25,741
$0
$0
-$9,898
-$42,308
Year 5
$37,331
$21,013
$25,741
$0
$0
-$9,423
-$51,731
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$220K
25% deposit$107,475
Refurb$99,885
Legal + survey$2,150
Mortgage + broker$7,449
Cash needed$219,985
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