Likely sold or withdrawnWe last saw this listing 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
5 BED
Strong return buy-to-let
1364-1368 47th Ave, San Francisco, CA 94122 · 3,100 sqft · $468/sqft
Real 10.43% return before costs with manageable risks.
Why it works
Monthly profit +$1,938/mo from completion — the no.1 reason to invest
10.43% return before costs — above-market
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
+$2K/mo
Pays you every month, net of costs
Price
$1.45M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$581K
Deposit + fees + refurb
Return before costson price10.43%5-yr return on cash 21%Rent est. $12,605 ($10,714–$14,830)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $10,714–$14,830/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $362,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $128,540–$239,680 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,087,500 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
+$1,938
after mortgage, operating costs & tax
Rent in$12,605/mo
$12,120Collected
$12,120/mo actually reaches you — the other $485 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$7,235Mortgage$3,432Costs
$1,938/mo left as profit · 16% of rent kept
Mortgage$7,235
Costs$3,432
Management$1,261
Maintenance$67
Insurance$40
CapEx reserve$630
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$1,938
Returns
Return before costson price10.43%
Cash returnon cash4.00%
Gross margin$8,688
Cash needed$580,830
Monthly profit payback25y
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
$151,260
$41,182
$86,822
$0
$4,419
$18,837
$18,837
Year 2
$155,798
$42,417
$86,822
$0
$5,046
$21,513
$40,350
Year 3
$160,472
$43,690
$86,822
$0
$5,692
$24,268
$64,618
Year 4
$165,286
$45,000
$86,822
$0
$6,358
$27,106
$91,724
Year 5
$170,244
$46,350
$86,822
$0
$7,044
$30,028
$121,752
Year 5 disposal
Disposal gain (gross)-$105,916
CGT$0
Net Disposal proceeds$1,560,894
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Aberdeen · 8082.4 km
Reason
5-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 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
70/100
Solid
Real 10.43% — fundamentals work.
Monthly profit+$1,938/mo at 25% deposit @ 5.5%
10.43% Return before costs — above-market
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$1.45M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$581K
Deposit + fees + refurb
Return before costson price10.43%5-yr return on cash 21%Rent est. $12,605 ($10,714–$14,830)
Bedrooms
5
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $10,714–$14,830/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $362,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $128,540–$239,680 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,087,500 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
+$1,938
after mortgage, operating costs & tax
Rent in$12,605/mo
$12,120Collected
$12,120/mo actually reaches you — the other $485 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$7,235Mortgage$3,432Costs
$1,938/mo left as profit · 16% of rent kept
Mortgage$7,235
Costs$3,432
Management$1,261
Maintenance$67
Insurance$40
CapEx reserve$630
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$1,938
Returns
Return before costson price10.43%
Cash returnon cash4.00%
Gross margin$8,688
Cash needed$580,830
Monthly profit payback25y
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
$151,260
$41,182
$86,822
$0
$4,419
$18,837
$18,837
Year 2
$155,798
$42,417
$86,822
$0
$5,046
$21,513
$40,350
Year 3
$160,472
$43,690
$86,822
$0
$5,692
$24,268
$64,618
Year 4
$165,286
$45,000
$86,822
$0
$6,358
$27,106
$91,724
Year 5
$170,244
$46,350
$86,822
$0
$7,044
$30,028
$121,752
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$581K
25% deposit$362,500
Refurb$184,110
Legal + survey$3,700
Mortgage + broker$22,750
Cash needed$580,830
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