Rented normally, you'd make about $636 a month, and it holds up.

The rent is our own estimate — worth checking against two or three real local lettings. One month without a tenant wipes out about 3 months of that profit, so keep a buffer for gaps.

550 Harding Pl APT B105, Nashville, TN 37211 · 1,044 sqft · $129/sqft

2 BED TOWNHOUSEListed 36d ago

$135,000

List price

Monthly profit

+$636/mo

Cash needed

$37K

+ refurb costs

Return after costs

6.5%

Cash return

20.5%

Strong

Rented normally at the asking price, this stacks up on every check we can run — 16.82% return before costs on price.

Why it works

Monthly profit +$636/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
16.82% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →

Why to be cautious

No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.

Research, not financial advice · how we decide →

One card is deliberately absent. Renting it by the room — Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.

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