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 +$461/mo from completion — the no.1 reason to invest
16.00% 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
+$461/mo
Pays you every month, net of costs
Price
$120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$106K
Deposit + fees + refurb
Return before costson price16.00%5-yr return on cash 24%Rent est. $1,600 ($1,360–$1,882)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,360–$1,882/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $120,000 asking ($72,000). Raw model: $55,460–$103,960. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $90,000 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
+$461
after mortgage, operating costs & tax
Rent in$1,600/mo
$1,538Collected
$1,538/mo actually reaches you — the other $62 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$541Costs$461Your profit
$461/mo left as profit · 30% of rent kept
Mortgage$599
Costs$541
Management$160
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$461
Returns
Return before costson price16.00%
Cash returnon cash5.24%
Gross margin$998
Cash needed$105,540
Monthly profit payback19y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.34
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
$19,200
$6,486
$7,185
$0
$1,050
$4,478
$4,478
Year 2
$19,776
$6,681
$7,185
$0
$1,123
$4,787
$9,265
Year 3
$20,369
$6,882
$7,185
$0
$1,197
$5,106
$14,370
Year 4
$20,980
$7,088
$7,185
$0
$1,274
$5,433
$19,804
Year 5
$21,610
$7,301
$7,185
$0
$1,354
$5,770
$25,574
Year 5 disposal
Disposal gain (gross)-$66,923
CGT$0
Net Disposal proceeds$129,177
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 · 6595.9 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 16.00% — fundamentals work.
Monthly profit+$461/mo at 25% deposit @ 5.5%
16.00% Return before costs — above-market
Monthly cashflow
+$461/mo
Pays you every month, net of costs
Price
$120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$106K
Deposit + fees + refurb
Return before costson price16.00%5-yr return on cash 24%Rent est. $1,600 ($1,360–$1,882)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,360–$1,882/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $120,000 asking ($72,000). Raw model: $55,460–$103,960. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $90,000 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
+$461
after mortgage, operating costs & tax
Rent in$1,600/mo
$1,538Collected
$1,538/mo actually reaches you — the other $62 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$541Costs$461Your profit
$461/mo left as profit · 30% of rent kept
Mortgage$599
Costs$541
Management$160
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$461
Returns
Return before costson price16.00%
Cash returnon cash5.24%
Gross margin$998
Cash needed$105,540
Monthly profit payback19y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.34
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
$19,200
$6,486
$7,185
$0
$1,050
$4,478
$4,478
Year 2
$19,776
$6,681
$7,185
$0
$1,123
$4,787
$9,265
Year 3
$20,369
$6,882
$7,185
$0
$1,197
$5,106
$14,370
Year 4
$20,980
$7,088
$7,185
$0
$1,274
$5,433
$19,804
Year 5
$21,610
$7,301
$7,185
$0
$1,354
$5,770
$25,574
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
$106K
25% deposit$30,000
Refurb$72,000
Legal + survey$1,700
Mortgage + broker$2,800
Cash needed$105,540
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