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 LANDListed 117d ago
3-bed lot investor view
561 Pleasant Pine Dr, Jacksonville, FL 32220 · 1,352 sqft · $137/sqft
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$281/mo from completion — the no.1 reason to invest
Why to be cautious
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
+$281/mo
Pays you every month, net of costs
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
5-yr return on cash 11%Rent est. $1,838 ($1,683–$2,007)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,683–$2,007/mo · n=23
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: $67,360–$126,060. Verify with a surveyor before offering.
Legal + survey ($)
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
+$281
after mortgage, operating costs & tax
Rent in$1,838/mo
$1,767Collected
$1,767/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$923Mortgage$634Costs
$281/mo left as profit · 16% of rent kept
Mortgage$923
Costs$634
Management$184
Maintenance$67
Insurance$20
CapEx reserve$92
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$281
Returns
Return before costson price11.92%
Cash returnon cash2.07%
Gross margin$1,134
Cash needed$162,708
Monthly profit payback48y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.06
Rent-covers-mortgage check PASS (target 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
$22,056
$7,603
$11,077
$0
$641
$2,734
$2,734
Year 2
$22,718
$7,831
$11,077
$0
$724
$3,085
$5,820
Year 3
$23,399
$8,066
$11,077
$0
$809
$3,447
$9,266
Year 4
$24,101
$8,308
$11,077
$0
$896
$3,820
$13,086
Year 5
$24,824
$8,557
$11,077
$0
$986
$4,203
$17,289
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
11001 ok · 1 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 · 6508.3 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.
5/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$281/mo at 25% deposit @ 5.5%
Monthly cashflow
+$281/mo
Pays you every month, net of costs
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
5-yr return on cash 11%Rent est. $1,838 ($1,683–$2,007)
Bedrooms
3
0 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,683–$2,007/mo · n=23
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: $67,360–$126,060. Verify with a surveyor before offering.
Legal + survey ($)
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
+$281
after mortgage, operating costs & tax
Rent in$1,838/mo
$1,767Collected
$1,767/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$923Mortgage$634Costs
$281/mo left as profit · 16% of rent kept
Mortgage$923
Costs$634
Management$184
Maintenance$67
Insurance$20
CapEx reserve$92
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$281
Returns
Return before costson price11.92%
Cash returnon cash2.07%
Gross margin$1,134
Cash needed$162,708
Monthly profit payback48y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.06
Rent-covers-mortgage check PASS (target 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
$22,056
$7,603
$11,077
$0
$641
$2,734
$2,734
Year 2
$22,718
$7,831
$11,077
$0
$724
$3,085
$5,820
Year 3
$23,399
$8,066
$11,077
$0
$809
$3,447
$9,266
Year 4
$24,101
$8,308
$11,077
$0
$896
$3,820
$13,086
Year 5
$24,824
$8,557
$11,077
$0
$986
$4,203
$17,289
What we verified
3 total
2100
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
Loading map…
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