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.
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
+$10/mo
Barely breaks even each month
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
Return before costson price9.76%5-yr return on cash 2%Rent est. $1,504 ($1,455–$1,555)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,455–$1,555/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $185,000 asking ($111,000). Raw model: $61,690–$115,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,750 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
+$10
after mortgage, operating costs & tax
Rent in$1,504/mo
$1,446Collected
$1,446/mo actually reaches you — the other $58 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$923Mortgage$571Costs
$10/mo left as profit · 1% of rent kept
Mortgage$923
Costs$571
Management$150
Maintenance$67
Insurance$20
CapEx reserve$75
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$10
Returns
Return before costson price9.76%
Cash returnon cash0.08%
Gross margin$876
Cash needed$162,708
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$18,048
$6,848
$11,077
$0
$23
$100
$100
Year 2
$18,589
$7,053
$11,077
$0
$87
$372
$472
Year 3
$19,147
$7,265
$11,077
$0
$153
$652
$1,124
Year 4
$19,722
$7,483
$11,077
$0
$221
$940
$2,064
Year 5
$20,313
$7,707
$11,077
$0
$290
$1,239
$3,303
Year 5 disposal
Disposal gain (gross)-$102,251
CGT$0
Net Disposal proceeds$199,149
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 · 6663.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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.
85/100
Strong
Real 9.76% — fundamentals work.
9.76% Return before costs — above-market
Monthly cashflow
+$10/mo
Barely breaks even each month
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
Return before costson price9.76%5-yr return on cash 2%Rent est. $1,504 ($1,455–$1,555)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,455–$1,555/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $185,000 asking ($111,000). Raw model: $61,690–$115,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,750 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
+$10
after mortgage, operating costs & tax
Rent in$1,504/mo
$1,446Collected
$1,446/mo actually reaches you — the other $58 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$923Mortgage$571Costs
$10/mo left as profit · 1% of rent kept
Mortgage$923
Costs$571
Management$150
Maintenance$67
Insurance$20
CapEx reserve$75
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$10
Returns
Return before costson price9.76%
Cash returnon cash0.08%
Gross margin$876
Cash needed$162,708
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$18,048
$6,848
$11,077
$0
$23
$100
$100
Year 2
$18,589
$7,053
$11,077
$0
$87
$372
$472
Year 3
$19,147
$7,265
$11,077
$0
$153
$652
$1,124
Year 4
$19,722
$7,483
$11,077
$0
$221
$940
$2,064
Year 5
$20,313
$7,707
$11,077
$0
$290
$1,239
$3,303
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
$163K
25% deposit$46,250
Refurb$111,000
Legal + survey$1,700
Mortgage + broker$3,775
Cash needed$162,708
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