Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit +$391/mo from completion — the no.1 reason to invest
15.43% 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
+$391/mo
Pays you every month, net of costs
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$101K
Deposit + fees + refurb
Return before costson price15.43%5-yr return on cash 22%Rent est. $1,479 ($1,322–$1,655)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,322–$1,655/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $45,240–$84,980. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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
+$391
after mortgage, operating costs & tax
Rent in$1,479/mo
$1,422Collected
$1,422/mo actually reaches you — the other $57 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$574Mortgage$514Costs$391Your profit
$391/mo left as profit · 28% of rent kept
Mortgage$574
Costs$514
Management$148
Maintenance$67
Insurance$20
CapEx reserve$74
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$391
Returns
Return before costson price15.43%
Cash returnon cash4.64%
Gross margin$908
Cash needed$101,143
Monthly profit payback21y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.28
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
$17,748
$6,168
$6,886
$0
$892
$3,802
$3,802
Year 2
$18,280
$6,353
$6,886
$0
$958
$4,083
$7,885
Year 3
$18,829
$6,544
$6,886
$0
$1,026
$4,373
$12,258
Year 4
$19,394
$6,740
$6,886
$0
$1,096
$4,672
$16,930
Year 5
$19,976
$6,943
$6,886
$0
$1,168
$4,979
$21,909
Year 5 disposal
Disposal gain (gross)-$64,205
CGT$0
Net Disposal proceeds$123,795
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 · 6597.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 15.43% — fundamentals work.
Monthly profit+$391/mo at 25% deposit @ 5.5%
15.43% Return before costs — above-market
Monthly cashflow
+$391/mo
Pays you every month, net of costs
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$101K
Deposit + fees + refurb
Return before costson price15.43%5-yr return on cash 22%Rent est. $1,479 ($1,322–$1,655)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,322–$1,655/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $45,240–$84,980. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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
+$391
after mortgage, operating costs & tax
Rent in$1,479/mo
$1,422Collected
$1,422/mo actually reaches you — the other $57 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$574Mortgage$514Costs$391Your profit
$391/mo left as profit · 28% of rent kept
Mortgage$574
Costs$514
Management$148
Maintenance$67
Insurance$20
CapEx reserve$74
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$391
Returns
Return before costson price15.43%
Cash returnon cash4.64%
Gross margin$908
Cash needed$101,143
Monthly profit payback21y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.28
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
$17,748
$6,168
$6,886
$0
$892
$3,802
$3,802
Year 2
$18,280
$6,353
$6,886
$0
$958
$4,083
$7,885
Year 3
$18,829
$6,544
$6,886
$0
$1,026
$4,373
$12,258
Year 4
$19,394
$6,740
$6,886
$0
$1,096
$4,672
$16,930
Year 5
$19,976
$6,943
$6,886
$0
$1,168
$4,979
$21,909
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$101K
25% deposit$28,750
Refurb$69,000
Legal + survey$1,700
Mortgage + broker$2,725
Cash needed$101,143
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice